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.
For sale
$169,000
628 Ridge Ter, Winter Haven, FL 33881
3beds
1,073sqft
Est.:
Condominium
Built in 1999
-- sqft lot
$165,400 Zestimate®
$158/sqft
$217/mo HOA
What's special
Sparkling poolLake accessNew plank floorsSpacious screened-in patio
- 149 days |
- 225 |
- 8 |
Zillow last checked: 7 hours ago
Listing updated: October 23, 2025 at 06:52am
Listing Provided by:
Casandra Vann 863-546-5446,
KELLER WILLIAMS REALTY SMART 863-577-1234,
Christina Hein 305-684-4751,
KELLER WILLIAMS REALTY SMART
Source: Stellar MLS,MLS#: L4956747
Originating MLS: Lakeland
Originating MLS: Lakeland
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Primary bedroom
- Features: Built-in Closet
- Level: First
- Area: 144 Square Feet
- Dimensions: 12x12
Bedroom 2
- Features: Built-in Closet
- Level: First
- Area: 110 Square Feet
- Dimensions: 11x10
Bedroom 3
- Features: Built-in Closet
- Level: First
- Area: 130 Square Feet
- Dimensions: 13x10
Dining room
- Level: First
- Area: 98 Square Feet
- Dimensions: 14x7
Kitchen
- Level: First
- Area: 112 Square Feet
- Dimensions: 14x8
Living room
- Level: First
- Area: 224 Square Feet
- Dimensions: 14x16
Heating
- Central
Cooling
- Central Air
Appliances
- Included: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
- Laundry: Inside
Features
- Ceiling Fan(s), Living Room/Dining Room Combo, Primary Bedroom Main Floor, Split Bedroom
- Flooring: Laminate, Tile
- Has fireplace: No
Interior area
- Total structure area: 1,073
- Total interior livable area: 1,073 sqft
Video & virtual tour
Property
Features
- Levels: One
- Stories: 1
- Exterior features: Lighting
- Waterfront features: Lake, Lake Privileges
Lot
- Size: 1,140 Square Feet
Details
- Parcel number: 262809530002001740
- Special conditions: None
Construction
Type & style
- Home type: Condo
- Property subtype: Condominium
Materials
- Block
- Foundation: Slab
- Roof: Shingle
Condition
- New construction: No
- Year built: 1999
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: BB/HS Internet Available, Cable Available, Electricity Available, Phone Available, Water Available
Community & HOA
Community
- Features: Lake, Clubhouse, Pool
- Pet fee: $0 monthly
- Subdivision: WINTER RIDGE CONDO
HOA
- Has HOA: Yes
- Services included: Maintenance Structure, Maintenance Grounds
- HOA fee: $217 monthly
- HOA name: Christopher Ward
- HOA phone: 863-508-1072
Location
- Region: Winter Haven
Financial & listing details
- Price per square foot: $158/sqft
- Tax assessed value: $137,000
- Annual tax amount: $1,790
- Date on market: 10/22/2025
- Cumulative days on market: 118 days
- Listing terms: Cash,Conventional
- Ownership: Fee Simple
- Total actual rent: 0
- Electric utility on property: Yes
- Road surface type: Paved
Estimated market value
$165,400
$157,000 - $174,000
$1,486/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 10/22/2025 | Listed for sale | $169,000+6.3%$158/sqft |
Source:  Stellar MLS #L4956747 Report a problem | ||
| 9/19/2023 | Sold | $159,000-0.6%$148/sqft |
Source: Stellar MLS #P4926963 Report a problem | ||
| 8/16/2023 | Pending sale | $160,000+220%$149/sqft |
Source: Stellar MLS #P4926963 Report a problem | ||
| 7/10/2015 | Sold | $50,000+525%$47/sqft |
Source: Public Record Report a problem | ||
| 8/9/2013 | Sold | $8,000-93.3%$7/sqft |
Source: Public Record Report a problem | ||
| 7/25/2006 | Sold | $119,900+126.7%$112/sqft |
Source: Public Record Report a problem | ||
| 10/15/1999 | Sold | $52,900$49/sqft |
Source: Public Record Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $1,791 -3.9% | $137,000 +67.4% |
| 2023 | $1,864 +7.3% | $81,846 +10% |
| 2022 | $1,737 +24.9% | $74,405 +10% |
| 2021 | $1,391 +9.6% | $67,641 +10% |
| 2020 | $1,269 +8.3% | $61,492 +10% |
| 2019 | $1,172 | $55,902 +8.5% |
| 2018 | $1,172 +9.8% | $51,500 +11.5% |
| 2017 | $1,067 +26% | $46,200 +10% |
| 2016 | $847 +8.5% | $42,000 +10.5% |
| 2015 | $781 +10.5% | $38,000 +7% |
| 2014 | $706 +6.4% | $35,500 +12.7% |
| 2013 | $664 -9.8% | $31,500 -10% |
| 2012 | $736 -10.9% | $35,000 -10.3% |
| 2011 | $827 +92.6% | $39,000 -13.3% |
| 2010 | $429 -40.7% | $45,000 -37.5% |
| 2009 | $725 -8.8% | $72,000 -8.3% |
| 2008 | $795 | $78,500 |
| 2007 | -- | -- |
| 2006 | $677 | -- |
| 2005 | -- | -- |
| 2004 | $621 -1% | -- |
| 2003 | $627 +9.2% | $51,611 +4.9% |
| 2002 | $574 | $49,220 |
| 2001 | $574 | $49,220 |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$1,239/mo
Principal & interest
$805
HOA Fees
$217
Property taxes
$217
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Climate risks
Neighborhood: 33881
Nearby schools
GreatSchools rating
- 3/10Fred G. Garner Elementary SchoolGrades: PK-5Distance: 2.7 mi
- 3/10Denison Middle SchoolGrades: 6-8Distance: 2.8 mi
- 3/10Winter Haven Senior High SchoolGrades: 9-12Distance: 3.2 mi
Schools provided by the listing agent
- Elementary: Lake Alfred Elem
- Middle: Denison Middle
- High: Winter Haven Senior
Source: Stellar MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
Local experts in 33881
- Florida
- Polk County
- Winter Haven
- 33881
- 628 Ridge Ter
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