$169,000
628 Ridge Terrace
Winter Haven, FL 33881
Listing updated: October 23, 2025 at 6:48 AM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Day on market
Flood zone
About this home
Updated 3-Bed, 2-Bath Condo in a Lakefront Community! Experience easy Florida living in this beautifully updated 3-bedroom, 2-bath single-story condo in the desirable Winter Ridge community on Lake Smart. Enjoy new plank floors, an open living area, and a spacious screened-in patio — perfect for morning coffee or evening relaxation. The community offers lake access and a sparkling pool, giving you the best of the Florida lifestyle without the upkeep. Conveniently located near Central Florida’s top attractions and theme parks, this home combines comfort and accessibility. With an affordable HOA and low-maintenance design, it’s a smart move for anyone ready to stop renting and start owning — all while keeping monthly costs manageable. Modern, welcoming, and perfectly located — this condo checks all the right boxes.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history1 days on market
- Status: ActiveOct 22, 2025
- Listed$169,000Oct 22, 2025
- Price increased$169,000
Facts & features
- Property type
- Residential
- Sub type
- Condominium
- Status
- Active
- Days on market
- 1
- Subdivision
- Winter Ridge Condo
- County
- Polk
- Year built
- 1999
- Living area
- 1,073 sq ft
- Price/sq ft
- $158
- Lot size
- 1,140 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X
- Annual taxes
- $1,790 (2024)
- Parcel #
- 26-28-09-530002-001740
- MLS #
- L4956747
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Flooring
- Laminate, Tile
- Appliances
- Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
- Interior features
- Ceiling Fans(s), Living Room/Dining Room Combo, Primary Bedroom Main Floor, Split Bedroom
- Laundry
- Inside
- Stories / Levels
- One
- Direction faces
- East
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
HOA & Financial
- HOA fee
- $651 / Quarterly
- Monthly HOA
- $217/mo
- Total monthly fees
- $217/mo
- Total annual fees
- $2,604
- HOA name
- Christopher Ward
- CDD
- No
- Min lease term
- No Minimum
- Listing terms
- Cash, Conventional
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
- Additional lease restrictions
- Buyer to verify.
- Approval process
- Buyer to verify.
Exterior & Construction
- Exterior features
- Lighting
- Construction materials
- Block
- Roof
- Shingle
- Foundation
- Slab
- Water access
- Yes
- Road surface
- Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- BB/HS Internet Available, Cable Available, Electricity Available, Phone Available, Water Available
Community
- Pets allowed
- Yes
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Living Room | First | 14x16 |
| Kitchen | First | 14x8 |
| Primary Bedroom | First | 12x12 |
| Bedroom 2 | First | 11x10 |
| Bedroom 3 | First | 13x10 |
| Dining Room | First | 14x7 |
Listing Details
- Listing date
- 2025-10-22
- On market date
- 2025-10-22
- Original list price
- $169,000
- Occupant type
- Vacant
- MLS area
- 33881 - Winter Haven / Florence Villa
- Listing AOR
- Lakeland
- Status changed
- 2025-10-22
- Tax legal description
- WINTER RIDGE CONDOMINIUMS OR 3047 PGS 2235 THRU 2286 UNIT 174 AND UNDIVIDED INTEREST IN THE COMMON ELEMENTS AS PER CONDO DECLARATION
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
Traveling north on Lucerne Park Rd., turn left onto Winter Ridge Dr. Follow to Ridge Terrace and turn left. Home will be on your left.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
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.
Based on information submitted to the MLS GRID as of October 23, 2025 at 6:48 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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