124 PANGOLA DRIVE, WINTER HAVEN, FL, 33880
Active176 days on marketListed Feb 5, 2026MLS #L4959175
About this home
124 PANGOLA DRIVE
Experience lakeside living in this custom-built home, perfectly situated on the shores of Lake Grassy. As you approach the property, you are greeted by a sprawling 13’x60’ front porch complete with a charming swing and ample space for entertaining. Imagine hosting gatherings here, with tables lined up as you enjoy views of the beautifully landscaped front yard. Step inside through a wide foyer that seamlessly flows into a spacious family room, where soaring ceilings amplify the sense of openness and elegance. The heart of the home is the newly renovated kitchen, featuring hickory wood cabinets with convenient roll-out drawers, modern appliances, and an eat-in area framed by a picture window offering breathtaking lake views. Adjacent to the kitchen, the formal dining room features sliding glass doors that open to a cozy back porch, creating the perfect indoor-outdoor flow for dining and relaxation. The home boasts 180 feet of lake frontage, complete with a private boat dock and concrete retaining wall, inviting endless water activities and lakeside enjoyment. Eco-friendly and cost-efficient, this home is equipped with fully paid solar panels and a private well, ensuring significant savings no utility bills. The expansive laundry room provides additional storage space, enhancing functionality. The main bedroom is a serene sanctuary with its own private lake view and sliding glass door that opens to a private lanai, offering a tranquil space to unwind. The main bedroom has on-suite bathroom, separate water closet, double sinks, jacuzzi tub, separate shower and double sinks. The second bedroom is thoughtfully designed with a dog door leading to secure dog fencing, making pet care effortless. The second and third bedrooms have walk in closets and share a convenient 2nd bathroom. Car enthusiasts or hobbyists will appreciate the oversized 35’x38’ garage, perfect for a workshop or extra storage, and includes a full bathroom. Additionally, a detached building is primed to become an in-law suite or a private home office, adapting to your changing needs. Don’t miss the opportunity to own this lakefront gem. Call for your private viewing today and start living your dream on Lake Grassy!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,790
Sqft
1.92 ac
Lot size
3
Garage
2014
Year built
One
Levels
$251
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,491 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,491/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Winter Haven actives
$251 vs $171
Days on market
176 vs 42 typical
Where $251/sqft sits among the 400 Winter Haven actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Winter Haven
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
WINTER HAVEN 33880 — neighborhood snapshot
Population
42,336
Median age
36.5
Median income
$56,803
Median home value
$200,900
Avg household
2.8
Households w/ children
5,516
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Haven market
$285K → $287K
Winter Haven median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
188 of 400
Winter Haven actives have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 218% above the WINTER HAVEN 33880 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 124 PANGOLA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$518,375
11621 COLT WAY · same community
4 bd · 2 ba · 2,576 sqft · $201/sqft · 42 DOM
Sold · Mar ’26$365,000
12635 COLONY ROAD · same community
3 bd · 2 ba · 2,168 sqft · $168/sqft · 9 DOM
Sold · Oct ’25$308,000
12717 MORGAN ROAD · same community
3 bd · 2 ba · 2,108 sqft · $146/sqft · 18 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 124 PANGOLA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 124 PANGOLA DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
124 PANGOLA DRIVE FAQs
What would the monthly payment be for 124 PANGOLA DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,491/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 124 PANGOLA DRIVE?+
The most recent tax bill on record (2024) was $3,505. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Winter Haven?+
At $699,900, this home is listed about 146% above the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 124 PANGOLA DRIVE?+
Denison Middle School (middle), Winter Haven Senior High School (high), John Snively Elementary (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$699,900 runs 218% above the WINTER HAVEN 33880 median — but at 2,790 sqft it's also 69% larger than the typical Winter Haven listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
176 days on market against a Winter Haven median of 42 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Kelley Blackburn. MLS #L4959175.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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