446 TERRANOVA STREET, Winter Haven, FL, 33884 | $445,000

Situated in the desirable gated community of Terranova, this wonderful 3-bedroom, 2-bath pool home with a den offers comfort, and efficiency. Enjoy low energy costs thanks to the fully paid solar system, providing long-term savings and sustainability.

Upon arrival, you’re welcomed by a lovely covered entry accented with a leaded glass front door and arched transom window, filling the foyer with natural light. The spacious great room features hand-scraped engineered wood flooring and a large sliding glass door that seamlessly brings the outdoors in, offering views of the patio and pool area.

The well-appointed kitchen showcases white cabinetry with brushed nickel hardware, beautifully complemented by a glass tile backsplash. Stainless Steel Appliance Package includes a Gas Range. A granite-topped breakfast bar with pendant lighting provides additional seating and creates a natural gathering space. A formal dining room is conveniently located nearby, making entertaining effortless.

The primary bedroom suite offers a walk-in closet and a cozy sitting niche—ideal for relaxing while enjoying views of the pool. The primary bathroom is thoughtfully designed with dual sinks, a linen closet, walk-in shower, private water closet, and a luxurious garden tub.

Step outside to your private outdoor oasis. The lagoon-style pool with a cascading waterfall creates a tranquil ambiance, while the covered patio provides shade from the Florida sun and convenient access to the guest bath—perfect for poolside gatherings. A fully fenced yard ensures privacy and features an avocado and citrus trees.

Additional Features: Den/office, Laundry room with washer and dryer, Solid surface flooring throughout, Water heater (2020), Architectural shingle roof (2020), 18 SEER Carrier HVAC system with heat pump (2020) and warranty, In-wall pest control system, Pull-down attic stairs, Irrigation well, Smart lock entry, Child safety fence for pool, Exterior carriage lighting, Oversized driveway, Two-car garage with door opener and keyless entry panel.
This fabulous home is conveniently located in a picturesque gated community near schools, shopping, restaurants, and Legoland, offering the perfect blend of luxury, convenience, and energy efficiency.

Features

  • Amenities: Gated
  • Rooms: 12
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Year Built: 2004
  • Garage: 2-car Driveway, Garage Door Opener
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,121
  • Acreage: 0.24
  • Est. Taxes: $2,816
  • HOA Fee: $664 Monthly
  • Lot Desc: Landscaped, Level, Street One Way
  • View: Pool
  • Elem. School: Chain O Lakes Elem
  • Middle School: Denison Middle
  • High School: Lake Region High
  • Pool: Child Safety Fence, Gunite, In Ground, Lighting, Screen Enclosure
  • Pet Policy: Yes
  • Appliances: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: P4937910
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/P4937910/446terranovastreet_winterhaven_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 3/17/2026 11:41:38 PM)
Listing courtesy of CENTURY 21 MYERS REALTY LAKE WALES   Phone: 863-676-4448

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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446 TERRANOVA STREET, Winter Haven, FL, 33884

$445,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $356,000 $356,000 $356,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.258% 6.292% 5.648%
Monthly Tax Payment $235 $235 $235
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,049 $2,163 $2,885
Total Monthly Payment $2,359 $2,473 $3,195

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.