628 Ridge Ter

Winter Haven, FL 33881

$169,000
Price
3
Beds
1,073 Sq. Ft.
$158 / Sq. Ft.
1,073
Sq. Ft.
$158
per Sq. Ft.
a view of a city
a front view of a house with parking space
a picture of a floor plan
a living room with furniture and a flat screen tv
a living room with furniture and a flat screen tv
a living room with furniture and a flat screen tv
a living room with furniture and a flat screen tv
a living room with furniture and wooden floor
a dining room with furniture and wooden floor
a view of a dining room with furniture and wooden floor
a kitchen with a sink stove and cabinets
a kitchen with a sink and refrigerator
a living room with furniture and a flat screen tv
a room with storage and utility
a kitchen with stainless steel appliances a sink dishwasher stove and oven
a bed sitting in a bedroom next to a window
a bedroom with a bed and a ceiling fan
a bathroom with a sink and toilet
a bathroom with a sink a toilet a shower and a mirror
a bedroom with a bed and a window
a bedroom with a large bed and a chandelier
a bathroom with a sink and toilet
a bedroom with furniture and wooden floor
a living room with furniture a rug and a window
a view of a patio with table and chairs
a dining room with furniture and garden
a view of a patio with table and chairs
a view of a house with a yard and sitting area
a view of an house with backyard porch and patio
a patio with table and chairs
a view of a swimming pool with an outdoor seating
a view of a swimming pool with a lounge chairs
a view of a house with swimming pool
a view of a house with pool and chairs
a house view with a backyard space
a view of house with backyard and space
a front view of a house with a yard
a view of a city and a lake view
an aerial view of a city
a view of a city and an ocean view
an aerial view of a residential houses with outdoor space and ocean view
a view of a city
a view of a city
a view of outdoor space with garden

Description

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...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.
  1. Listed by Casandra Vann • Brokerage DRE #1017403 • KELLER WILLIAMS REALTY SMART
    P: (863)-546-5446 C: (863)-546-5446 casandra@kw.com
  2. Listed by Christina Hein • Brokerage DRE #1017403 • KELLER WILLIAMS REALTY SMART
    P: (305)-684-4751 C: (305)-684-4751 chein@kw.com

Property Details for 628 Ridge Terrace

Subdivision Name
WINTER RIDGE CONDO
Township
28
Waterfront
No
LISTING UPDATED: 10/23/2025 09:52 AM

Property Details for 628 Ridge Terrace

StatusActive
MLS #L4956747
Days on Market52
Taxes$1,790 / year
HOA Fees$2,604 / year
Condo/Co-op Fees-
Compass TypeCondo
MLS TypeResidential / Condominium
Year Built1999
CountyPolk County

Location

Listing Courtesy of KELLER WILLIAMS REALTY SMART, Casandra Vann; KELLER WILLIAMS REALTY SMART, Christina Hein
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Building Information for 628 Ridge Terrace

Building/Complex628 Ridge TerFloor-Stories1Residences-Pet PolicyAllowedPet Policy DetailsYesYear Built1999

Payment Calculator

$1,201 per month

30 year fixed, 6.28% Interest

Principal and Interest

$835

Property Taxes

$149

HOA Dues

$217

The Payment Calculator is for illustrative purposes only.

Property Information for 628 Ridge Terrace

Summary
Location and General Information
  • Building Area Source: Public Records
  • Building Area Total: 1073.0
  • Building Area Units: Square Feet
  • Building Name Number: N/A
  • Community Features: Lake, Clubhouse, Pool
  • Direction Faces: East
  • 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.
  • Elementary School: Lake Alfred Elem
  • Middle Or Junior School: Denison Middle
  • High School: Winter Haven Senior
  • Floor Number: 1
  • Mls Major Change Type: New Listing
  • Major Change Type: New Listing
  • Listing Service: Full Service
  • Senior Community: No
  • Unit Number: Yes
  • Street Number: 628
  • Street Name: RIDGE
  • Street Suffix: TERRACE
  • State: FL
  • City: WINTER HAVEN
Parking
  • Carport: No
  • Garage: No
Taxes and HOA Information
  • Association Approval Required: No
  • Association Fee Includes: Maintenance Structure, Maintenance Grounds
  • Association Fee Requirement: Required
  • Association Name: Christopher Ward
  • Association Phone: 863-508-1072
  • Association: Yes
  • CDD: No
  • Condo Land Included: Yes
  • Montly Maint Amt Addition To HOA: $0
  • Pet Size: Medium (36-60 Lbs.)
  • Tax Block: 001740
  • Tax Book Number: 3047-2235
  • Tax Legal Description: WINTER RIDGE CONDOMINIUMS OR 3047 PGS 2235 THRU 2286 UNIT 174 AND UNDIVIDED INTEREST IN THE COMMON ELEMENTS AS PER CONDO DECLARATION
  • Tax Lot: 740
  • Tax Year: 2024
Virtual Tour
Property
Lot Information
  • Additional Parcels: No
  • Parcel Number: 262809530002001740
  • Total Acreage: 0 to less than 1/4
  • Water Access: Lake - Chain of Lakes
  • Water Access: Yes
  • Water Extras: No
  • Living Area: 1073
Property and Assessments
  • Year Built Numeric: 1999
  • Flood Zone Code: X
  • Homestead: No
  • New Construction: No
  • Public Survey Range: 26
  • Public Survey Section: 09
  • Dock YN: No
Utilities
  • Sewer: Public Sewer
  • Utilities: BB/HS Internet Available, Cable Available, Electricity Available, Phone Available, Water Available
  • Water Source: Public
Interior and Exterior Features
Exterior Features
  • Construction Materials: Block
  • Exterior Features: Lighting
  • Foundation Details: Slab
  • Levels: One
  • Pool Private: No
  • Pool: Community
  • Pool Private: Yes
  • Roof: Shingle
  • Waterfront Features: Lake
  • Waterfront Feet Total: 0
  • Number Of Stories: 1
Interior Features
  • Bedrooms Total: 3
  • Bathrooms Full: 2
  • Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
  • Cooling: Central Air
  • Fireplace: No
  • Flooring: Laminate, Tile
  • Heating: Central
  • Interior Features: Ceiling Fan(s), Living Room/Dining Room Combo, Primary Bedroom Main Floor, Split Bedroom
  • Laundry Features: Inside
  • Living Area Source: Public Records
  • Living Area Units: Square Feet
  • Room Count: 6.0
  • Water View: No
  • Bathrooms Half: 0
Rental
Rental Information
  • Minimum Lease Period: 0
  • Pets Allowed: Yes
  • Max Pet Weight: 40

Property History for 628 Ridge Terrace

DateEvent & SourcePriceAppreciation
Oct 22, 2025

Listed (Active)

MFRMLS #L4956747

$169,000—
Sep 19, 2023

Sold (Public Record)

Public Record #1519543204

$159,000

+15.1% / yr

Sep 19, 2023

Sold

MFRMLS #P4926963

$159,000—
Aug 16, 2023

Pending

MFRMLS #P4926963

—
Aug 16, 2023

Listed (Active)

MFRMLS #P4926963

$160,000—
Jul 6, 2015

Sold (Public Record)

Public Record #552526497

$50,000

-9.3% / yr

Dec 20, 2013

Withdrawn

MFRMLS #P4626707

$39,900—
Aug 12, 2013

Listed (Active)

MFRMLS #P4626707

$44,900—
Jul 3, 2006

Sold (Public Record)

Public Record #199525870

$119,900—
DateEvent & SourcePrice
10/22/2025

Listed (Active)

MFRMLS #L4956747

$169,000
09/19/2023

Sold (Public Record)

Public Record #1519543204

$159,000

+15.1% / yr

09/19/2023

Sold

MFRMLS #P4926963

$159,000
08/16/2023

Pending

MFRMLS #P4926963

—
08/16/2023

Listed (Active)

MFRMLS #P4926963

$160,000
07/06/2015

Sold (Public Record)

Public Record #552526497

$50,000

-9.3% / yr

12/20/2013

Withdrawn

MFRMLS #P4626707

$39,900
08/12/2013

Listed (Active)

MFRMLS #P4626707

$44,900
07/03/2006

Sold (Public Record)

Public Record #199525870

$119,900

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 628 Ridge Terrace

Taxable ValueLand$100Additions$136,900Total$137,000
Tax Record2024$1,791 ($149 / month)
Home Facts
Beds3Total Finished SqFt1,073 SqFtAbove Grade Finished SqFt1,073 SqFtStyleCondominiumYear Built1999CountyPOLKAPN262809530002001740

Schools near 628 Ridge Terrace

This home is within Polk.
Rating
School
Type
Grades
Distance
Frank E. Brigham Academy
Public - PK to 5
Lake Alfred Elementary School
Public - PK to 5
Jewett School Of The Arts
Public - PK to 8
Denison Middle School
Public - 6 to 8
Rating
School
Distance
Frank E. Brigham Academy
PublicPK to 5

Lake Alfred Elementary School
PublicPK to 5

Jewett School Of The Arts
PublicPK to 8

Denison Middle School
Public6 to 8

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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More information about 628 Ridge Terrace, Winter Haven, FL 33881

628 Ridge Terrace is a condo for sale in Winter Haven, FL 33881. This property was listed for sale on October 22, 2025 by KELLER WILLIAMS REALTY SMART, it's currently listed at $169,000. It has been on the market for a total of 52 days and was last sold on September 19, 2023. This listing's school district is Polk. Nearby schools include Frank E. Brigham Academy, Lake Alfred Elementary School and Jewett School Of The Arts. 628 Ridge Terrace is a 3-bed, 2-bath, 1,073 sqft condo built in 1999.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass makes no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of KELLER WILLIAMS REALTY SMART, Casandra Vann; KELLER WILLIAMS REALTY SMART, Christina Hein

The information being provided by MFRMLS and Daytona Multiple Listing Service is for the consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties the consumer may be interested in purchasing. Any information relating to real estate for sale referenced on this web site comes from the Internet Data Exchange (IDX) program of MFRMLS or Daytona Multiple Listing Service. Real estate listings held by brokerage firms other than this site owner are marked with the IDX/MLS logo. Information deemed reliable but is not guaranteed accurate by MFRMLS or Daytona Multiple Listing Service. Last updated: 10/23/2025 09:52 AM