Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$140,000

415 GARRETT RIDGE Court, Winter Haven, FL 33880, Winter Haven, FL 33880

Metes & Bounds

Price
$140,000
Beds / Baths
3 / 2
Living area
1,248 sqft
Year built
2006
Type
Residential
Lot
Garage
1
HOA
None
CDD
No
Flood zone
Unknown
County
Polk
Days on market
14
Elementary
Other
Middle
Other
High school
Other

Investor opportunity in Winter Haven. Welcome to this 3 bedroom, 2 bath home offering an open and inviting layout with vaulted ceilings and a spacious family room designed for comfortable everyday living. Tile flooring flows seamlessly through the main living areas and into the galley kitchen, creating a bright and cohesive feel throughout the home. Built with durable block construction, this property also features a single car garage. Step outside to enjoy a beautifully shaded lot, perfect for relaxing or entertaining guests in a private outdoor setting. This is a Short Sale. Professionally processed by ARII SOLUTIONS, LLC. Buyer Responsible Short Sale Processing Fee of $5,000. Please review ''Presentation of Offers'' document before submitting offer. Property sold as-is

What to check on this one

  • Verify actual roof age and condition; 2006 home may need inspection soon.
  • Obtain flood zone designation from FEMA map; confirm elevation if in AE/VE zone.
  • Request pre-sale inspection report; block construction and age warrant structural review.
  • Confirm short sale approval status and $5,000 processing fee terms in writing.
  • Verify title clearance and lien position before proceeding with offer.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$726/mo
Property tax (1.1% eff., Polk Co.)$128/mo
Homeowners insurance (est.)$292/mo
All-in monthly (est.)$1,146/mo

Loan $112,000 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of LOKATION. Data via realMLS (Northeast Florida MLS), updated Mar 9, 2026, 3:45 AM.

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. Information is deemed reliable but not guaranteed.