128 N LAKE FLORENCE DRIVE, WINTER HAVEN, FL, 33884
Active14 days on marketListed Jul 23, 2026MLS #L4963717
About this home
128 N LAKE FLORENCE DRIVE
Lake Views | Paid-Off Solar System | Mother-in-Law Suite | NO Flood Zone | Exceptional Upgrades | New Roof | Welcome to your own private retreat in the heart of beautiful Winter Haven, Florida! Perfectly positioned on an elevated home-site overlooking the peaceful waters of Lake Florence, this meticulously maintained 3-bedroom, 2-bathroom residence offers 2,167 square feet of thoughtfully designed living space, complete with an Attached Mother-In-Law Suite—perfect for multi-generational living, visiting guests, a home office, or added flexibility. From the moment you arrive, you’ll appreciate the quality, care, and countless upgrades that make this home truly move-in ready. Built with solid block construction and situated high and dry in NO FLOOD ZONE, this property delivers both comfort and peace of mind. Inside, the warm and inviting floor plan features rich pecan wood cabinetry, modern appliances, and a charming wood-burning fireplace that creates the perfect centerpiece for relaxing evenings or entertaining family and friends. The spacious 2-car garage provides plenty of room for vehicles, storage, and weekend projects. Designed with efficiency and long-term value in mind, this home boasts a remarkable list of improvements, including a 2020 roof, fully paid-off 2020 solar panel system, and 50-year transferable warranties on both the roof and solar system. With energy costs continuing to rise, you’ll enjoy the financial benefits of owning your solar system outright while dramatically reducing your monthly electric bills. Additional premium upgrades include a 2023 4-ton HVAC system, 2023 electrical panel, a 2023 mini-split system dedicated to the mother-in-law suite, Custom installed New South double-pane energy-efficient windows and front entry door backed by a lifetime warranty, and fresh exterior paint completed in 2026. In addition, an on-site utility shed, fully permitted with hurricane clips, power connected for additional storage to meet and exceed all of your storage needs! Wake each morning to breathtaking sunrises over Lake Florence, then unwind in the evening with spectacular Florida sunsets from your elevated vantage point. It’s the perfect setting to enjoy everything that makes Central Florida living so special. Ideally located just minutes from LEGOLAND Florida Resort, Winter Haven’s renowned Chain of Lakes, top-rated schools, shopping, dining, golf, and everyday conveniences, this home offers an exceptional combination of location, lifestyle, and lasting value. Homes with this level of craftsmanship, energy efficiency, flexible living space, and picturesque lake views are a rare find. Don’t miss your opportunity to own this incredible Winter Haven property—schedule your private showing today and experience Florida living at its finest.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,167
Sqft
0.38 ac
Lot size
2
Garage
1960
Year built
One
Levels
$185
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.
$2,845 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$2,845/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
vs edgeAI estimate
+35.9%
$/sqft vs Winter Haven actives
$185 vs $170
Days on market
14 vs 47 typical
Where $185/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 Eloise Woods
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
Eloise Woods — neighborhood snapshot
Population
3,227
Median age
43
Median income
$74,677
Median home value
$296,594
Avg household
3
Households w/ children
305
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
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
194 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 41% above the WINTER HAVEN 33884 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 128 N LAKE FLORENCE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$286,000
2600 PAMELA DRIVE
4 bd · 2 ba · 2,250 sqft · $127/sqft · 8 DOM
Sold · Apr ’26$380,000
341 STERLING DRIVE
4 bd · 3 ba · 2,008 sqft · $189/sqft · 72 DOM
Sold · Oct ’25$311,775
3029 PINETREE
3 bd · 3 ba · 1,942 sqft · $161/sqft · 86 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 128 N LAKE FLORENCE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 128 N LAKE FLORENCE 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
128 N LAKE FLORENCE DRIVE FAQs
What would the monthly payment be for 128 N LAKE FLORENCE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,845/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 128 N LAKE FLORENCE DRIVE?+
The most recent tax bill on record (2025) was $1,841. 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 $399,999, this home is listed about 40% above the Winter Haven median of $284,990. The market section on this page shows how the area is trending.
Which schools are assigned to 128 N LAKE FLORENCE DRIVE?+
Denison Middle School (middle), Chain Of Lakes Elementary School (elementary), Lake Region High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY · Trevor Albergo. MLS #L4963717.
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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