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$289,900

4766 Osprey WayWinter Haven, FL 33881

Listing updated: October 3, 2026 at 8:05 AM ET

Active

Listing courtesy of Property Logic Re · Mark D'Italia · MLS #O6446908 · Active · 407-909-3436

Beds

Baths

1,999

Sq Ft

0.17

Acres

2017

Built

◆$145/sqft

Single Family Residence

Property type

2017

Year built

7,244 sqft

Lot size

$145

Price / sq ft

$18/mo

HOA dues

Days on market

Garage spaces

Flood zone

About this home

New photos coming soon. Seller offering up to $12,320 toward buyer closing costs, prepaid expenses, and/or an interest rate buydown. Conditions apply. Move-in ready 4-bedroom, 2-bath home in Winter Haven's established St James Crossing community. The kitchen features granite countertops, an island with bar seating, and stainless steel appliances including a range, dishwasher and microwave. The single-story split floor plan offers 1,999 SqFt with wood-look laminate flooring throughout and no carpet anywhere, a living room open to the dining area and kitchen, a primary suite with a walk-in closet and a private bath with a walk-in shower, three additional bedrooms (two with walk-in closets), a second full bath, an inside laundry room, and an attached 2-car garage. Out back, sliding glass doors open to a covered patio on a 0.17-acre lot that backs to a tree line. $210 annual HOA and no CDD. Flood Zone X, so no flood insurance is required. Conveniently located near shopping, dining and schools. Buyer credit available with use of Seller's preferred lender. Schedule your showing today.

Estimated monthly payment

Principal & interest$1,466

Property taxes$421

Home insurance (est.)$133

HOA dues$18

Down payment

20%

$57,980 downRate

6.5%

Term

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 history0 days on market

Status: Active
Oct 3, 2026
Listed$289,900
Oct 3, 2026
Price increased$289,900

Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 0
Subdivision: St James Xing
County: Polk
Year built: 2017
Living area: 1,999 sq ft
Price/sq ft: $145
Building area: 2,646 sq ft (Public Records)
Lot size: 7,244 sq ft
Lot category: 0 to less than 1/4
Flood zone: X (12105C0335G)
Garage: 2 spaces
Annual taxes: $5,054 (2025)
Parcel #: 25-28-12-339907-000290
Zoning: RES
MLS #: O6446908

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Interior Details

Bedrooms: 4
Full bathrooms: 2
Flooring: Laminate
Appliances: Dishwasher, Disposal, Electric Water Heater, Microwave, Range
Interior features: Thermostat
Laundry: Inside, Laundry Room
Stories / Levels: One
Direction faces: East

Heating & Cooling

Heating: Central
Cooling: Central Air

Parking

Garage spaces: 2
Attached garage: Yes

HOA & Financial

HOA fee: $210 / Annually
Monthly HOA: $18/mo
Total monthly fees: $18/mo
Total annual fees: $210
HOA name: Highland Community Management
CDD: No
Min lease term: No Minimum
Listing terms: Cash, Conventional, FHA, VA Loan
Ownership: Fee Simple
Available for lease: Yes
Lease restrictions: No
Additional lease restrictions: Buyer to verify with HOA
Approval process: Buyer to verify with HOA

Exterior & Construction

Exterior features: Sidewalk
Construction materials: Block, Stucco
Roof: Shingle
Foundation: Slab
Road surface: Asphalt

Utilities

Sewer: Public Sewer
Water source: Public
Utilities: Cable Available, Electricity Connected

Community

Pets allowed: Yes

Schools

ElementaryWalter Caldwell ElemGreatSchools ↗

MiddleStambaugh MiddleGreatSchools ↗

High SchoolAuburndale High SchoolGreatSchools ↗

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	15.2x19.6
Dining Room	First	14x12.1
Kitchen	First	15.9x8.1
Primary Bedroom	First	12.9x14.1
Bedroom 2	First	12.9x10.1
Bedroom 3	First	12.1x11.3
Bedroom 4	First	12x10.9

Listing Details

Listing date: 2026-10-02
On market date: 2026-10-03
Original list price: $289,900
Occupant type: Vacant
MLS area: 33881 - Winter Haven / Florence Villa
Listing AOR: Orlando Regional
Status changed: 2026-10-03
Tax legal description: ST JAMES CROSSING PB 149 PGS 44-45 LOT 29

Flood risk

Minimal riskFEMA Zone XPanel 12105C0335G

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

From US-92 in Winter Haven, turn north onto Palmetto Dr. Turn left onto Fox Trail into St James Crossing, then continue onto Osprey Way as it curves to the right. 4766 Osprey Way is on the left.

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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 3, 2026 at 8:05 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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