2820 TRADITIONS BOULEVARD S, WINTER HAVEN, FL, 33884
Active11 days on marketListed Jul 23, 2026MLS #TB8531455
About this home
2820 TRADITIONS BOULEVARD S
Welcome to 2820 Traditions Blvd S, located in the desirable 55+ gated community of Traditions at Lake Ruby in Winter Haven. This well-maintained Augusta model offers 3 bedrooms, 2 bathrooms, a spacious 2-car garage, and a peaceful pond-front setting. This home is perfect for Florida living! The open and comfortable floor plan provides beautiful pond views from the kitchen, dining area, living room, primary suite, and enclosed patio, allowing you to enjoy the tranquil Florida surroundings throughout the home. The kitchen offers ample cabinetry and workspace, while the spacious living areas create an inviting environment for both everyday living and entertaining. The split bedroom layout provides privacy for owners and guests alike. The enclosed patio is a wonderful space to relax, enjoy your morning coffee, or unwind while taking in the water views. Just outside your door, enjoy all that Traditions at Lake Ruby community provides, including a clubhouse, resort-style amenities, pool, fitness facilities, and recreational opportunities designed for an active adult lifestyle. Conveniently located in Winter Haven with easy access to shopping, dining, medical facilities, golf, and Central Florida attractions. Whether you are looking for a full-time residence or a seasonal retreat, this home offers comfort, convenience, and the opportunity to enjoy the relaxed lifestyle of Traditions at Lake Ruby.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,823
Sqft
0.15 ac
Lot size
2
Garage
2006
Year built
One
Levels
$170
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,755 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,755/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−4.2%
$/sqft vs TRADITIONS PH 01
$170 vs $170
Days on market
11 vs 46 typical
Where $170/sqft sits among the 6 homes for sale in TRADITIONS PH 01
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Traditions
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
Traditions — neighborhood snapshot
Population
1,772
Median age
50
Median income
$59,654
Median home value
$272,712
Avg household
3
Households w/ children
170
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Haven market
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
4 of 6
TRADITIONS PH 01 have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 9% above the WINTER HAVEN 33884 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 2820 TRADITIONS BOULEVARD S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$410,000
4016 CARTERET DRIVE · same community
4 bd · 3 ba · 1,927 sqft · $213/sqft · 103 DOM
Sold · Dec ’25$290,000
3912 BALDWIN LANE · same community
2 bd · 2 ba · 1,719 sqft · $169/sqft · 229 DOM
Sold · Sep ’25$280,000
4068 CARTERET DRIVE · same community
3 bd · 2 ba · 1,928 sqft · $145/sqft · 225 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2820 TRADITIONS BOULEVARD S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2820 TRADITIONS BOULEVARD S — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Dan's phone and CRM.
Straight answers
2820 TRADITIONS BOULEVARD S FAQs
What would the monthly payment be for 2820 TRADITIONS BOULEVARD S?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,755/mo — principal and interest, the actual property-tax bill, the $485/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 2820 TRADITIONS BOULEVARD S?+
The association fee works out to $485 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2820 TRADITIONS BOULEVARD S?+
The most recent tax bill on record (2025) was $1,786. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2820 TRADITIONS BOULEVARD S?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Winter Haven?+
At $309,900, this home is listed about 9% above the Winter Haven median of $284,990. The market section on this page shows how the area is trending.
Which schools are assigned to 2820 TRADITIONS BOULEVARD S?+
Chain Of Lakes Elementary School (elementary), Lake Region High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of AGENT GROUP REALTY · Stephanie Bombinski. MLS #TB8531455.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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