130 BERGEN CIRCLE NO HOA & NO CDD! Welcome to Bergen Point Estates, where comfort, charm, and modern style meet in this beautifully updated 3-bedroom, 2-bath home featuring durable and stylish luxury vinyl flooring throughout and a desirable split floor plan. Step inside to a warm and inviting layout, including a cozy family room with a fireplace, a bright formal living room, and a spacious dining room located just off the kitchen—perfect for everyday living or entertaining. The private primary suite is thoughtfully separated from the additional bedrooms and offers a beautifully updated ensuite with a walk-in shower and a relaxing soaking tub. Multiple French doors provide seamless indoor-outdoor flow, opening from the family room, dining room, and primary bedroom to the oversized screened lanai ideal for morning coffee, evening relaxation, or weekend gatherings. Outside, the fully fenced backyard provides plenty of flexibility for your boat, trailer, RV, or future pool. Enjoy greenspace, privacy, and room to grow without limitations. All of this is conveniently located just minutes from shopping, dining, the Winter Haven Chain of Lakes, and everyday essentials, with quick access to I-4, Lakeland, Orlando, and Tampa. Freedom and convenience combine this one truly checks every box!