Eric Chery
$569,9004 bd2.5 ba2,410 sqft$236 /sqft$3,922 /mo all-in ↓

1185 SANDPIPER LOOP, WINTER HAVEN, FL, 33881

Active14 days on marketListed Jul 6, 2026MLS #L4963274

Private poolSingle Family ResidenceCHESTNUT CREEK

About this home

1185 SANDPIPER LOOP

If you've been waiting for the one home that truly stands above everything else in its price range, your search ends here. Better than new and extensively upgraded beyond anything the builder offers today, this extraordinary 2023-built residence in Chestnut Creek is the definition of turnkey luxury. Every inch of this home reflects exceptional craftsmanship, meticulous attention to detail, and an uncompromising commitment to quality. With well over $150,000 invested after construction—including a custom resort-style pool and spa that alone exceeded $120,000—this is a property that simply cannot be replicated at this price point. Offering four bedrooms, two-and-a-half baths, a private office, and a three-car garage, the home makes an unforgettable first impression with meticulous landscaping, decorative landscape lighting, an extended paver walkway, epoxy-coated garage floors, and a fully fenced backyard. Inside, luxury vinyl plank flooring has replaced the builder-grade flooring throughout, complemented by upgraded baseboards, custom window treatments that remain, and carefully selected designer finishes that elevate every room. A private office with French doors provides the perfect work-from-home space, while the expansive open-concept floor plan offers effortless everyday living and entertaining. The kitchen is both stunning and functional, featuring upgraded stainless Samsung appliances, an oversized quartz island with breakfast bar seating, abundant cabinetry, a spacious walk-in pantry, a touch-activated faucet, and seamless flow into the dining and living areas. The spacious primary suite serves as a luxurious retreat with a walk-in closet featuring custom organizational systems, granite vanity, a soaking tub, oversized walk-in shower, and generous proportions. Three additional bedrooms provide flexibility for family and guests, while the upgraded half bath showcases custom shiplap detailing. Even the laundry room has been thoughtfully appointed with Samsung washer and dryer that convey with the home. Step outside and discover what truly sets this property apart. Designed for a private resort feel, the backyard centers around a spectacular heated saltwater pool and spa featuring Jandy automation, an automated pool cleaner, expansive paver decking, a screened enclosure, and a covered lanai. Combined with lush landscaping and evening landscape lighting, the outdoor living space offers an extraordinary setting for entertaining or simply relaxing in complete privacy. Additional premium upgrades include a radiant roof barrier for enhanced energy efficiency, water softener, irrigation system, extensive garage storage systems that convey with the home, epoxy garage flooring, and countless additional improvements that would cost a substantial amount of time and money to duplicate today. Even the three-car garage has been transformed into an exceptionally organized and highly functional space with professional storage solutions ideal for vehicles, hobbies, and equipment. Located in the desirable Chestnut Creek community, you'll enjoy the benefits of newer construction while remaining just minutes from downtown Winter Haven, shopping, restaurants, Winter Haven Hospital, Polk State College, and the renowned Chain of Lakes. Convenient access to the Polk Parkway and I-4 places Lakeland, Tampa, Orlando, major employers, international airports, and Central Florida attractions within easy reach. Schedule your appointment today!

Facts & features

The home at a glance

4

Bedrooms

2.5

Bathrooms

2,410

Sqft

0.25 ac

Lot size

3

Garage

2023

Year built

One

Levels

$236

Per sqft

Private poolPool viewPets allowed

Inside

FlooringCeramic Tile · Luxury Vinyl
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Stone Counters · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewPool
FacesWest
ParkingDriveway · Garage Door Opener · Oversized
ExteriorIrrigation System · Sidewalk · Sliding Doors

Community & fees

HOA fee$63/mo
Taxes (2025)$4,918/yr
PetsBreed Restrictions, Yes
CommunityDeed Restrictions

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$3,922 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,075
PMI (est., until 20% equity)$214
Property tax — 2025 actual bill$410
HOA fee — from the listing$63
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $56,990Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $56,990
Interest rate6.00%
Loan term

Estimated payment

$3,922/mo

Principal & interest$3,075
PMI (est., until 20% equity)$214
Property taxes (actual bill)$410
HOA / condo fee$63
Est. insurance$160

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.

List $570K
$417KedgeAI estimate $538,118 · range $435K$797K$829K

vs edgeAI estimate

+5.9%

$/sqft vs Winter Haven actives

$236 vs $171

Days on market

14 vs 42 typical

Where $236/sqft sits among the 400 Winter Haven actives

44
60
112
108
33
43 · this home
$102–126$126–151$151–175$175–199$199–223$223+

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 Poinsettia Park

Map of 1185 SANDPIPER LOOP inside its neighborhood boundary

Drive times from this address

Walt Disney World54 min
Orlando Int’l Airport (MCO)66 min
Universal Orlando67 min
Downtown Tampa71 min

Get to know Winter Haven. See the full Winter Haven guide →

Poinsettia Park — neighborhood snapshot

Population

708

Median age

36

Median income

$78,816

Median home value

$233,205

Avg household

3

Households w/ children

100%

For the school run

Polk County School District

ElementaryElbert Elementary School★★★★
MiddleDenison Middle School★★★★
HighWinter Haven Senior High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Winter Haven market

Seller’s marketBalanced6.5 months of inventoryBuyer’s market

$285K$287K

Winter Haven median sold, yr/yr

97.3%

Sale-to-list ratio (12 mo)

207 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 137% above the WINTER HAVEN 33881 median. See the full Winter Haven market guide →

Paper trail

This home's history

Jul 6, 2026Listed at $569,900 · 14 days on market since
2023Built · CHESTNUT CREEK

Reality check

What actually sold near 1185 SANDPIPER LOOP

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

970 14TH STREET NESold · Jan ’26

$343,000

970 14TH STREET NE

4 bd · 3 ba · 2,408 sqft · $142/sqft · 211 DOM

1212 W LAKE BUCKEYE DRIVESold · Jul ’26

$353,200

1212 W LAKE BUCKEYE DRIVE

4 bd · 2.5 ba · 2,395 sqft · $147/sqft · 13 DOM

1599 AVENUE E NESold · Feb ’26

$342,500

1599 AVENUE E NE

4 bd · 3 ba · 2,218 sqft · $154/sqft · 22 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.

Eric Chery

Your agent

Eric Chery

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1185 SANDPIPER LOOP — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1185 SANDPIPER LOOP — 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.

Goes straight to Eric’s phone and CRM.

Straight answers

1185 SANDPIPER LOOP FAQs

What would the monthly payment be for 1185 SANDPIPER LOOP?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,922/mo — principal and interest, the actual property-tax bill, the $63/mo association fee 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.

How much are the HOA fees at 1185 SANDPIPER LOOP?+

The association fee works out to $63 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1185 SANDPIPER LOOP?+

The most recent tax bill on record (2025) was $4,918. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 1185 SANDPIPER LOOP?+

The listing reports pets: Breed Restrictions, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Winter Haven?+

At $569,900, this home is listed about 100% 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 1185 SANDPIPER LOOP?+

Elbert Elementary School (elementary), Denison Middle School (middle), Winter Haven Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of THE STONES REAL ESTATE FIRM · Michael Stone. MLS #L4963274.

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.

Never miss a listing

New Winter Haven homes, in your inbox

Like 1185 SANDPIPER LOOP but not quite? A daily digest of every new listing in Winter Haven — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask Eric to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated July 20, 2026 at 4:40 AM UTC. The listing information on this page last changed on July 20, 2026 at 4:40 AM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on July 20, 2026 at 4:40 AM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: July 20, 2026 at 4:40 AM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.