4434 Winding Oaks Circle, FL
Stellar MLS
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$360,000

4434 Winding Oaks CircleMulberry, FL 33860

Listing updated: October 20, 2026 at 7:59 AM ET

Active
Stellar MLSListing courtesy of Bhhs Florida Properties Group · Tiffany Steck · MLS #L4965800 · Active · 863-701-2350
3
Beds
2
Baths
1,950
Sq Ft
0.14
Acres
2009
Built
◆$185/sqft◆360° tour
Single Family Residence

Property type

2009

Year built

5,998 sqft

Lot size

$185

Price / sq ft

$223/mo

HOA dues

4

Days on market

X

Flood zone

About this home

Welcome to 4434 Winding Oaks Circle, where thoughtful details, spacious living, and the convenience of a gated community come together in the desirable Reserve at Fairway Oaks neighborhood of Mulberry. Offering 3 bedrooms, 2 bathrooms, and approximately 1,950 square feet of living space, this inviting single-story residence combines comfort, functionality, and everyday convenience. From the moment you arrive, you'll appreciate the welcoming curb appeal and the charm of this established gated neighborhood. Step inside to discover a spacious and thoughtfully designed interior featuring beautiful plantation shutters on all the windows, adding timeless elegance, privacy, and natural light control throughout the home. LED lighting throughout provides energy-efficient illumination, while the generous living spaces offer a comfortable setting for both relaxing evenings and entertaining guests. The thoughtfully arranged floor plan allows everyday living to flow effortlessly from one space to the next. At the heart of the home, the kitchen combines style and functionality with beautiful granite countertops, abundant cabinetry, and an eye-catching decorative stone accent beneath the breakfast counter, adding warmth, texture, and character to the space. The kitchen offers a welcoming place to prepare meals, gather with friends, or enjoy casual dining. The thoughtfully designed floor plan features a spacious primary suite offering a comfortable place to unwind, while two additional bedrooms provide flexibility for guests, a home office, or hobbies. The additional full bathroom offers convenience for both residents and visitors. The attached garage provides additional storage and everyday functionality, featuring an attractive decorative flake-coated floor that creates a clean, polished appearance, along with EV charging capability for electric vehicle owners. An additional practical feature is the home's generator hookup, providing the convenience of connecting a compatible generator when needed. Beyond the home itself, the Reserve at Fairway Oaks offers the comfort and convenience of gated community living, with HOA fees that include cable, internet, lawn care, and gated community access. These included services help simplify everyday living, allowing you to spend less time on routine maintenance and more time enjoying everything Central Florida has to offer. Conveniently located near shopping, dining, grocery stores, and everyday essentials, this property provides easy access to Lakeland, Mulberry, and surrounding areas. From the beautiful plantation shutters, energy-efficient LED lighting, and distinctive kitchen finishes to the upgraded garage flooring, EV charging capability, generator hookup, and valuable HOA inclusions, 4434 Winding Oaks Circle offers a wonderful combination of style, comfort, and convenience. Schedule your private showing today and discover everything this inviting home has to offer!

Estimated monthly payment

Principal & interest$1,820
Property taxes$211
Home insurance (est.)$165
HOA dues$223

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 history4 days on market

  1. Status: Active
    Oct 16, 2026
  2. Listed$360,000
    Oct 16, 2026

Property Documents

Documents the listing agent has made public for this property. Free to view and download.

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
4
Subdivision
Fairway Oaks First Add
County
Polk
Year built
2009
Living area
1,950 sq ft
Price/sq ft
$185
Building area
2,649 sq ft (Public Records)
Lot size
5,998 sq ft
Lot category
0 to less than 1/4
Flood zone
X (12105C0490G)
Annual taxes
$2,533 (2025)
Parcel #
23-29-34-142462-000680
MLS #
L4965800

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Interior Details

Bedrooms
3
Full bathrooms
2
Flooring
Carpet, Tile
Appliances
Dishwasher, Electric Water Heater, Microwave, Range, Refrigerator
Interior features
Ceiling Fans(s), Crown Molding, High Ceilings, Living Room/Dining Room Combo, Pest Guard System, Thermostat, Window Treatments
Laundry
Laundry Room
Stories / Levels
One
Direction faces
Southeast

Heating & Cooling

Heating
Central
Cooling
Central Air

Parking

Garage spaces
0
Attached garage
Yes

HOA & Financial

HOA fee
$670 / Quarterly
Monthly HOA
$223/mo
Total monthly fees
$223/mo
Total annual fees
$2,679
HOA name
Nicki Archer
CDD
No
Homestead exemption
Yes
Min lease term
No Minimum
Listing terms
Cash, Conventional, FHA, VA Loan
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
Yes
Additional lease restrictions
Buyer to Verify with HOA
Approval process
Buyer to verify with HOA

Exterior & Construction

Construction materials
Block
Roof
Shingle
Foundation
Slab
Road surface
Paved

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
BB/HS Internet Available, Cable Connected, Electricity Connected, Phone Available, Public, Sewer Connected, Water Connected

Community

Pets allowed
Yes

Schools

ElementaryJames W Sikes ElemGreatSchools ↗
MiddleMulberry MiddleGreatSchools ↗
High SchoolMulberry HighGreatSchools ↗

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

RoomLevelDimensions
Kitchen10x15.8
Primary Bedroom15.7x16.4
Primary Bathroom10x9.2
Living Room19.6x25.11
Bedroom 212.9x11.9
Bedroom 312.9x11.9
Laundry6.2x6.3

Listing Details

Listing date
2026-10-15
On market date
2026-10-16
Original list price
$360,000
Occupant type
Owner
MLS area
33860 - Mulberry
Listing AOR
Lakeland
Status changed
2026-10-16
Tax legal description
FAIRWAY OAKS FIRST ADDITION PB 97 PG 43 LYING IN SEC 34 & 35 TWP 29 RGE 23 LOT 68

Flood risk

Minimal riskFEMA Zone XPanel 12105C0490G

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

Heading south on FL-37 S/Florida Ave S, turn right onto Shepherd Rd. Turn left onto Imperial Lakes Blvd, then turn left onto Fairway Oaks Dr. Continue straight to stay on Fairway Oaks Dr, then turn right onto Winding Oaks Dr. Turn right onto Winding Oaks Cir. The home will be on your right at 4434 Winding Oaks Cir.

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MLS GRID

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 20, 2026 at 7:59 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.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

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