Active
$353,290
Est. $2,526/mo

540 Ituna Cir, Winter Haven, FL, 33881

$174/sqft·Harbor At Lake Henry

4 bd3 ba2,029 sqft2 car garageSingle Family
Listed by CAMBRIDGE REALTY OF CENTRAL FL· Last updated · MLS# L4964449

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

Est. monthly payment
$2,526/mo
Down payment (20%)
$70,658
Property taxes
$0/mo
HOA
$600/yr
Rate assumed
6.8% · 30 yr
View full breakdown

At a glance

Single family
Built 2025
2 car garage
6,098 sqft lot
Lot size
2,029 sqft
Living area
Brand new
Built 2025

About this home

IN Wall Pest SystemDishwasherDisposalElectric Water HeaterMicrowaveRangeRefrigerator

540 Ituna Cir is a 2025-built home in Harbor At Lake Henry, Winter Haven. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,029 square feet of living space. Listed at $353,290 (about $174/sqft), 1 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $600 annually.

From the listing

Under Construction. New construction home with 2029 square feet one-story including 4 bedrooms, 2.5 baths, and an open living area. Enjoy an open kitchen with, Quartz countertops, Samsung stainless steel appliances, pantry, and a spacious counter height island, fully open to the dining café and gathering room. The living area, laundry room, and baths include luxury wood vinyl plank flooring, with stain-resistant carpet in the bedrooms. Your owner's suite is complete with a walk-in wardrobe and a private en-suite bath with dual vanities, a tiled shower, and a closeted toilet. Jack-and-Jill Hall bath with an enclosed tub and toilet, accessed from bedrooms 3 and 4. Plus, enjoy a covered lanai, 2-car garage, custom-fit window blinds, architectural shingles, energy-efficient insulation and windows, and a full builder warranty. Please note, virtual tour/photos showcases the home layout; colors and design options in actual home for sale may differ. Furnishings and décor do not convey.

The essentials

Built
2025
Price / sqft
$174
On market
22 days
Annual tax
$0
HOA
$600/yr
Flood zone
X · Low risk
Lot
6,098 sqft
Type
Single Family Residence

Location

540 Ituna Cir
Winter Haven, FL, 33881·33881 - Winter Haven / Florence Villa
Type
Single Family Residence
Year Built
2025
Lot
6,098 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
22
IN Wall Pest System
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Refrigerator
Flood Zone X

Annual Tax (2024)

$0

Parcel #

26-28-01-521040-000370

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Harbor At Lake Henry

County

Polk

MLS Area

33881 - Winter Haven / Florence Villa

Lot Size

6,098 sqft

HOA
$600/yr
Hcmanagement
Date
Event
Price
8/20/2026
Listed for sale
Source: Stellar MLS #L4964449
$353,290
$174/sqft
Est. monthly payment$2,526/mo
Principal & interest$1,843
Property taxes$456
Insurance$177
HOA$50
Down payment20% · $70,658
Interest rate6.80%
Loan term

Not sure what you can afford?

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Property taxes estimated at 1.55% of price a year. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $353,290
$352,500 – $353,290
99.5% – 100% of listTops out right at the list price
80% of listList price
129 of the last 206 home closings in 33881 landed at this number or higher (63%). The median one sat 44 days before it went under contract, and this one is on day 22.

Sample: 206 closed home sales in 33881 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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