2230 W CENTRAL AVENUE, Winter Haven, FL, 33880 | $334,600

Welcome to 2230 W Central Ave, where timeless character meets modern updates on an oversized double lot in the heart of Winter Haven. NO HOA. NO CDD. This well-maintained 3-bedroom, 2-bath home offers comfortable living with inviting spaces designed for everyday life and entertaining. Step inside to a welcoming parlor that flows into the dining room, creating a warm and functional layout. The kitchen features a picturesque window overlooking the backyard and includes Samsung stainless steel appliances. Just off the kitchen, the spacious family room provides a cozy retreat with direct access to the screened lanai. The backyard is the true centerpiece of this property. Enjoy Florida living year-round with a large screened enclosure surrounding the sparkling in-ground pool, offering plenty of space for outdoor dining, relaxing, and entertaining family and friends. Recent improvements provide added value and peace of mind, including a new roof installed in November 2024, a Carrier HVAC system installed in 2022, and an A. O. Smith water heater. Outdoor enthusiasts will appreciate the public boat ramp to Lake Howard just two blocks away, along with ample driveway parking for your boat, trailer, or additional vehicles. With its spacious lot, major updates, fantastic outdoor living space, and convenient location close to shopping, dining, parks, and the Chain of Lakes, this move-in-ready home is a wonderful opportunity. Come see this gem today!

Features

  • Rooms: 6
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 100 x 135
  • Laundry: Inside
  • Style: Tudor
  • Year Built: 1951
  • Garage: Boat, Covered
  • Heating: Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,788
  • Acreage: 0.31
  • Lot Size: 100 x 135
  • Est. Taxes: $4,648
  • Lot Desc: Cleared, In County, Landscaped, Oversized Lot, Zoned for Horses
  • Elem. School: Inwood Elem
  • Middle School: Westwood Middle
  • High School: Lake Region High
  • Pool: Gunite, In Ground, Screen Enclosure
  • Pet Policy: Yes
  • Appliances: Exhaust Fan, Range
  • MLS#: S5152674
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/S5152674/2230wcentralavenue_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 7/2/2026 11:54:40 PM)
Listing courtesy of WATSON REALTY CORP.   Phone: 407-589-1600

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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

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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2230 W CENTRAL AVENUE, Winter Haven, FL, 33880

$334,600

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 $267,680 $267,680 $267,680
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.615% 5.952%
Monthly Tax Payment $387 $387 $387
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,603 $1,690 $2,223
Total Monthly Payment $2,065 $2,152 $2,685

* 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.