
1024 31ST STREET NW, WINTER HAVEN, FL, 33881
Active4 days on marketListed Aug 5, 2026MLS #O6430862
About this home
1024 31ST STREET NW
Welcome to this beautifully updated 4-bedroom, 2-bath home where modern finishes, everyday comfort, and thoughtful design come together to create a space you'll love coming home to. Nestled in Winter Haven's established West Cannon Heights neighborhood, this move-in-ready residence offers the perfect blend of style, functionality, and value. Step inside to find bright living spaces filled with natural light, complemented by durable luxury vinyl flooring throughout. The well-appointed kitchen features stainless steel appliances, stone countertops, generous cabinetry, and plenty of workspace, making it ideal for everything from busy weekday mornings to entertaining family and friends. The home's versatile layout includes four comfortable bedrooms, providing plenty of options for a growing household, overnight guests, or a dedicated home office. A spacious family room with a charming decorative brick accent creates an inviting gathering space and opens to the backyard patio, extending your living space outdoors. The private primary suite offers a relaxing retreat with a built-in closet, ceiling fan, and its own en-suite bathroom. Enjoy Florida living from the welcoming covered front porch or unwind in the fully fenced backyard, where there's plenty of room for pets, gardening, play, or weekend barbecues. An indoor laundry room with washer and dryer adds everyday convenience, while the absence of HOA fees provides greater freedom and fewer monthly expenses. Conveniently located near shopping, dining, schools, parks, medical facilities, and Winter Haven's renowned Chain of Lakes, this home offers easy access to everything you need while maintaining the charm of an established neighborhood. Whether you're purchasing your first home, looking for extra space, or searching for a smart investment opportunity, this beautifully maintained property is ready for its next chapter. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,532
Sqft
0.21 ac
Lot size
1963
Year built
One
Levels
$166
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,072 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,072/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+13.7%
$/sqft vs Winter Haven actives
$166 vs $170
Days on market
4 vs 48 typical
Where $166/sqft sits among the 400 Winter Haven actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Winter Haven
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
The numbers that matter
The Winter Haven market
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
194 of 400
Winter Haven actives have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 11% below the Winter Haven median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 1024 31ST STREET NW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$199,000
3121 AVENUE M NW · same community
2 bd · 1 ba · 1,208 sqft · $165/sqft · 55 DOM
Sold · May ’26$215,000
1250 31ST STREET NW · same community
3 bd · 2 ba · 1,176 sqft · $183/sqft · 108 DOM
Sold · Jun ’26$160,600
1246 31ST STREET NW · same community
2 bd · 1 ba · 840 sqft · $191/sqft · 98 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1024 31ST STREET NW — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1024 31ST STREET NW — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1024 31ST STREET NW FAQs
What would the monthly payment be for 1024 31ST STREET NW?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,072/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 1024 31ST STREET NW?+
The most recent tax bill on record (2025) was $3,577. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Winter Haven?+
At $255,000, this home is listed about 11% below the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of GOYAL & DECOSTER REALTY · Marco Silva Bravo. MLS #O6430862.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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