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$169,000

  • For Sale
  • Active
  • Condo
  • 3 Beds
  • 2 Full Baths
  • 1,073 Sq. Ft.
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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.

Full Property Details for 628 Ridge Terrace

General

  • Price: $169,000
  • HOA FEE: $217/month
  • HOA FEE FREQ.: Quarterly
  • Taxes: $1,790 (2024)
  • Status: Active
  • Type: Condo
  • Source: MidFloridaRegionalMLS
  • MLS ID: L4956747
  • Updated: 10/22/2025
  • Added to Site: 86 day(s) ago

Rental Information

  • Min. Lease: No Minimum

Interior

  • Number of Rooms: 6
  • Interior Features: Ceiling Fan(s), Living Room/Dining Room Combo, Primary Bedroom Main Floor, Split Bedroom
  • Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
  • Flooring: Laminate, Tile

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 2

Bedrooms

  • Total Bedrooms: 3

Other Rooms

  • Laundry: Inside

Exterior

  • Exterior Features: Lighting

Location

  • Area: 33881 - Winter Haven / Florence Villa
  • County: Polk
  • Development Name: 33881 - Winter Haven / Florence Villa
  • Subdivision: WINTER RIDGE CONDO
  • Driving Directions: Traveling north on Lucerne Park Rd., turn left onto Winter Ridge Dr. Follow to Ridge Terrace and turn left. Home will be on your left.
  • Direction Faces: East

School Information

  • Elementary School: Lake Alfred Elem
  • Middle School: Denison Middle
  • High School: Winter Haven Senior

Community

  • Community Name: 33881 - Winter Haven / Florence Villa
  • Community Features: Lake, Clubhouse, Pool
  • Association: Yes
  • Assoc. Name: Christopher Ward
  • Assoc. Fees Include: Maintenance Structure, Maintenance Grounds
  • Pet Restrictions: 40lbs.

Heating & Cooling

  • Cooling Type: Central Air
  • Heating Type: Central

Utilities

  • Sewer: Public Sewer
  • Water: Public
  • Utility Description: BB/HS Internet Available, Cable TV Available, Electricity Available, Phone Available, Water Available

Structural Information

  • Exterior Const.: Block
  • Roof: Shingle
  • Stories/Levels: One
  • Square Feet: 1,073
  • Sq. Ft. Source: Public Records
  • Year Built: 1999

Lot Features

  • Lot Size (Acres): 0.03
  • Lot Size (Sq. Ft.): 1,140
  • Lot Size: 1140
  • Street/Road Desc.: Paved

Water Features

  • Water Access: Yes
  • Water Access Desc: Lake - Chain of Lakes
  • Water Front Desc.: Lake

Financial Considerations

  • Association Fee: $651
  • Assoc Fee Freq.: Quarterly
  • Assoc Fee Desc.: Required
  • Tax Amount: $1,790
  • Tax Year: 2024

Disclosures and Reports

  • Ownership: Fee Simple
  • Special Conditions: None
  • Legal Description: WINTER RIDGE CONDOMINIUMS OR 3047 PGS 2235 THRU 2286 UNIT 174 AND UNDIVIDED INTEREST IN THE COMMON ELEMENTS AS PER CONDO DECLARATION
  • Flood Zone Info: X
  • APN: 262809530002001740
  • Property ID: 262809530002001740
  • Block/Lot/Section: 1740

Listed by Keller Williams Realty Smart

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Listing agents

— 628 Ridge Terrace —

  • Keller Williams Realty Smart

  • Keller Williams Realty Smart

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with our affiliated lender
NMLS#: 1598647

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Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

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Schools serving 628 Ridge Terrace

School District:Polk County School District
NameGradesDistance
Fred G. Garner Elementary School
2500 Havendale Boulevard Northwest, Winter Haven, FL 33881
PK-52.7 mi
Denison Middle School
400 Avenue A Southeast, Winter Haven, FL 33880
6-82.8 mi
Winter Haven Senior High School
600 6th Street Southeast, Winter Haven, FL 33880
9-123.2 mi
Disclaimer: School attendance boundaries provided by Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 628 Ridge Terrace Get Price Alerts and Save Property

Date
Details
Price
Change
Source
10/22/2025
Listed
$169,000
6.29%
MLS
9/19/2023
Sold
$159,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 628 Ridge Terrace

Year
Property Taxes
Change
Tax Assessment
Change
2024
$1,791
-4%
$137,000
1%
2023
$1,864
7%
$135,000
6%
2022
$1,736
25%
$127,000
76%
2021
$1,391
—
$72,000
11%
2021
$1,391
51%
$65,000
28%
2017
$924
—
$50,820
7%
2017
$924
-21%
$47,500
-15%
2019
$1,172
39%
$55,902
33%
2016
$846
8%
$42,000
11%
2015
$781
6%
$38,000
7%
2014
$736
11%
$35,500
13%
2013
$664
—
$31,500
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

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NMLS#: 1598647

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Listed by Keller Williams Realty Smart

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628 Ridge Terrace, Winter Haven, FL 33881 (MLS# L4956747) is a Condo property with 3 bedrooms and 2 full bathrooms. 628 Ridge Terrace is currently listed for $169,000 and was received on October 22, 2025. Want to learn more about 628 Ridge Terrace? Do you have questions about finding other Condo real estate for sale in Winter Haven? You can browse all Winter Haven real estate or contact a Coldwell Banker agent to request more information.

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