3749 FIELDSTONE CIRCLE, WINTER HAVEN, FL, 33881
Active43 days on marketListed Jul 2, 2026MLS #L4962714
About this home
3749 FIELDSTONE CIRCLE
PRICE DROP! NEW ROOF TO BE INSTALLED BEFORE CLOSING! Poolside Paradise, Stylish Updates & Exceptional Outdoor Living! Welcome to this beautifully appointed five-bedroom, three-bath home offering a spacious layout, modern finishes, and an impressive screened-in pool area designed for year-round enjoyment. Ideally located with convenient access to Highway 27, this home combines everyday comfort with an entertainer’s dream backyard. A striking double-door entry opens to a bright, expansive floor plan featuring luxury vinyl plank flooring throughout the main living areas, plush carpeting in the bedrooms, and sleek tile in the bathrooms. High ceilings with double crown molding add an elegant touch, while the formal living and dining rooms provide inviting spaces for entertaining. The thoughtfully designed split-bedroom floor plan offers privacy and flexibility for family and guests. At the center of the home, the large open kitchen is sure to impress, featuring granite countertops, a MASSIVE ISLAND with seating for six, and stylish black stainless-steel appliances. The primary suite offers a peaceful retreat with abundant natural light and sliding glass doors leading directly to the covered lanai and pool area. Its spacious en-suite bathroom features a garden tub, separate walk-in shower, and a generous walk-in closet with built-in organization. Outside, the screened-in pool area truly takes center stage, featuring a heated saltwater pool, soothing water-feature fountain, BUILT IN TABLE AND STOOLS beneath a tiki umbrella, and a CHILD SAFETY FENCE. MARINE GRADE PRIVACY CURTAINS and LED lighting create the perfect setting for relaxing or entertaining well into the evening. The covered back patio is also plumbed and wired for an outdoor kitchen, providing an exciting opportunity to create your own custom outdoor entertaining space. The fully vinyl-fenced backyard offers privacy and plenty of room for children and pets to enjoy. An irrigation meter adds convenience and value by allowing the lawn irrigation system and exterior water hose to operate without sewer charges from the city. The home also FEATURES A WATER SOFTENER adding an extra layer of convenience for everyday living. Additional energy efficiency comes from the home's solar panel system, with an assumable lease currently at approximately $145 per month and an approximate remaining balance of $20,000, offering the opportunity to enjoy renewable energy while potentially reducing monthly utility expenses. With a new roof being installed by the seller before closing, buyers can enjoy added peace of mind along with the home's spacious interior, desirable split-bedroom layout, resort-style pool area, upgraded kitchen, fenced backyard, and solar benefits. With its convenient Winter Haven location, easy access to major roadways, nearby amenities, and exceptional outdoor living spaces, this home offers an outstanding combination of comfort, convenience, and Florida lifestyle.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,588
Sqft
0.22 ac
Lot size
3
Garage
2017
Year built
One
Levels
$180
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 and the real association fee — not generic estimates.
$3,500 /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
$3,500/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.
$/sqft vs COUNTRY CLUB ESTATES
$180 vs $261
Days on market
43 vs 50 typical
Where $180/sqft sits among the 34 homes for sale in COUNTRY CLUB ESTATES
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 →
WINTER HAVEN 33881 — neighborhood snapshot
Population
39,189
Median age
43.6
Median income
$53,867
Median home value
$177,400
Avg household
2.61
Households w/ children
3,730
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Haven market
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
10 of 34
COUNTRY CLUB ESTATES have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 89% above the WINTER HAVEN 33881 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 3749 FIELDSTONE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$372,500
257 HUNTINGTON DRIVE · same community
5 bd · 2.5 ba · 2,786 sqft · $134/sqft · 169 DOM
Sold · Oct ’25$450,000
735 YALE ROAD · same community
4 bd · 3 ba · 2,224 sqft · $202/sqft · 7 DOM
Sold · Jul ’26$290,000
3742 FIELDSTONE CIRCLE · same community
3 bd · 2 ba · 1,919 sqft · $151/sqft · 30 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
Jhony Hung Zheng
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3749 FIELDSTONE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3749 FIELDSTONE CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Jhony's phone and CRM.
Straight answers
3749 FIELDSTONE CIRCLE FAQs
What would the monthly payment be for 3749 FIELDSTONE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,500/mo — principal and interest, the actual property-tax bill, the $36/mo association fee 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.
How much are the HOA fees at 3749 FIELDSTONE CIRCLE?+
The association fee works out to $36 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3749 FIELDSTONE CIRCLE?+
The most recent tax bill on record (2025) was $4,335. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3749 FIELDSTONE CIRCLE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Winter Haven?+
At $464,900, this home is listed about 63% above the Winter Haven median of $284,995. The market section on this page shows how the area is trending.
Which schools are assigned to 3749 FIELDSTONE CIRCLE?+
Lake Alfred Polytech Academy (middle), Fred G. Garner Academy (elementary), Winter Haven Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$464,900 runs 89% above the WINTER HAVEN 33881 median — but at 2,588 sqft it's also 55% larger than the typical Winter Haven listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $469,900, now $464,900 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY SMART 1 · David Small. MLS #L4962714.
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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