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5118 Kinsley Dr, Winter Haven, FL, 33884

$129/sqft·Seasons At Annabelle Estates

5 bd4 ba3,030 sqft2 car garageSingle Family
Listed by AXEN REALTY, LLC· Last updated · MLS# S5150451

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

Est. monthly payment
$2,770/mo
Down payment (20%)
$78,000
Property taxes
$0/mo
HOA
$450/yr
Rate assumed
6.8% · 30 yr
View full breakdown

At a glance

Single family
Built 2026
Community pool
Shared amenity
2 car garage
Garage Door Opener
5,998 sqft lot
Lot size
3,030 sqft
Living area

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
SEASONS AT ANNABELLE ESTATES
Type
Single Family Residence

True monthly carry

HOA
~$38/mo
CDD bond
Yes — typically $1,500–$3,500/yr
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.

11-month inspection

Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.

Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

CDD heads-up.This community is in a Community Development District — there's a separate annual bond payment ($1,500–$3,500 typical) on top of HOA that builders often roll into the mortgage statement. Worth knowing before you write an offer.

About this home

High CeilingsLiving Room/Dining Room ComboOpen FloorplanSolid Surface CountersWalk-in Closet(s)PlaygroundPoolDishwasher

5118 Kinsley Dr is a 2026-built home in Seasons At Annabelle Estates, Winter Haven. Inside you'll find 5 bedrooms, 4 bathrooms, and 3,030 square feet of living space. Listed at $389,999 (about $129/sqft), 97 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $450 annually.

From the listing

Under Construction. The main floor of the inviting Ammolite plan offers a private study and versatile flex space, which can be optioned as an additional bedroom and bathroom or a guest suite, complete with living room. You’ll also appreciate a convenient powder room; a nook; a great room and a well-appointed kitchen with a center island, a large pantry and optional additional cabinets. Upstairs, discover an airy loft, a convenient laundry, three secondary bedrooms and a lavish primary suite boasting an expansive walk-in closet and a private bath. This plan also features a patio and a 2-car garage. Make it uniquely your own by adding a bedroom in lieu of the loft, extending one of the secondary bedrooms and opting for an alternate kitchen layout and a covered patio. SAMPLE PHOTOS. Actual homes as constructed may not contain the features and layouts depicted and may vary from image(s). Special financing rates and closing cost assistance may be available. Options may vary by community and offers are available on select homes only. Contact builder for more information!

The essentials

Built
2026
Price / sqft
$129
On market
112 days
Annual tax
$0
HOA
$450/yr
Flood zone
X · Low risk
Lot
5,998 sqft
Type
Single Family Residence

Location

5118 Kinsley Dr
Winter Haven, FL, 33884·33884 - Winter Haven / Cypress Gardens
Type
Single Family Residence
Year Built
2026
Lot
5,998 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Garage Door Opener
Days on Market
112
High Ceilings
Living Room/Dining Room Combo
Open Floorplan
Solid Surface Counters
Walk-in Closet(s)
Playground
Pool
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
In a CDD (Community Development District)Flood Zone x

Annual Tax (2025)

$0

Parcel #

27-29-31-871100-003200

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

Seasons At Annabelle Estates

County

Polk

MLS Area

33884 - Winter Haven / Cypress Gardens

Lot Size

5,998 sqft

HOA
$450/yr
Garrison Property Services, LLC
Date
Event
Price
8/27/2026
Price change
Source: Stellar MLS #S5150451
$389,999-6.9%
$129/sqft
5/22/2026
Listed for sale
Source: Stellar MLS #S5150451
$418,950
$138/sqft
Est. monthly payment$2,770/mo
Principal & interest$2,034
Property taxes$504
Insurance$195
HOA$38
Down payment20% · $78,000
Interest rate6.80%
Loan term

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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: $389,999
$387,500 – $389,999
99.5% – 100% of listTops out right at the list price
80% of listList price
161 of the last 252 home closings in 33884 landed at this number or higher (64%). The median one sat 40 days before it went under contract, and this one is on day 112 after a $28,951 cut.

Sample: 252 closed home sales in 33884 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

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