446 TERRANOVA STREET, Winter Haven, FL, 33884 | $419,900

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

Upon arrival, you are welcomed by a charming covered entry accented by a leaded-glass front door and an arched transom window that fills the foyer with natural light. The spacious great room features hand-scraped engineered wood flooring and a large sliding glass door that seamlessly blends indoor and outdoor living while offering picturesque 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. The upgraded stainless steel appliance package includes a gas range, while the granite-topped breakfast bar with pendant lighting provides additional seating and serves as 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 tranquil views of the pool. The primary bathroom is thoughtfully designed with dual sinks, a linen closet, a walk-in shower, a private water closet, and a luxurious garden tub.

Step outside to your own private outdoor oasis. The lagoon-style pool with a cascading waterfall creates a serene ambiance, while the covered patio provides shade from the Florida sun and convenient access to the guest bathroom—perfect for poolside gatherings. The fully fenced backyard offers privacy and features both avocado and citrus trees.

Additional features include: , 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 the pool, Exterior carriage lighting, Oversized driveway, Two-car garage with door opener and keyless entry pad.

This exceptional home is conveniently located in a picturesque gated community near schools, shopping, restaurants, and Legoland, offering the perfect combination 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 Annually
  • 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: 79 days
  • 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 5/14/2026 10:36:30 AM)
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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  • Is available to meet with you in our office, your home or office, evenings or weekends
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446 TERRANOVA STREET, Winter Haven, FL, 33884

$419,900

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 $335,920 $335,920 $335,920
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.374% 6.524% 5.866%
Monthly Tax Payment $235 $235 $235
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,014 $2,096 $2,767
Total Monthly Payment $2,324 $2,406 $3,077

* 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.