$525,000

Estimated payment $3,403/month

Total Views 2,649
4 Beds
3.5 Baths
2,118 Sq Ft
$248 Price per Sq Ft

Highlights

  • Popular Property
  • 200 Feet of Waterfront
  • Fishing Pier
  • Frank E. Brigham Academy Rated 9+
  • Dock made with wood
  • Lake View

About This Home

Welcome to the Chain Life! Situated on a spacious 0.47-acre lot with no HOA, this beautifully updated lakefront property on Lake Howard offers a rare opportunity to enjoy life on the renowned Winter Haven Chain of Lakes. One of the home's most desirable features is the beautifully remodeled studio-style guest suite with its own private entrance and en-suite bathroom. Complete with a wood-burning fireplace and ample space to add a kitchenette, this versatile space is ideal as a mother-in-law suite, private guest quarters, home office, or game room. This property would make a great short term rental for VRBO or Airbnb! The main residence features 3 bedrooms and 2.5 baths with numerous updates throughout. The renovated kitchen showcases new cabinetry, beautiful granite countertops, a stainless steel range and microwave, breakfast bar seating, and picturesque views of the backyard. Wood flooring flows through the spacious living areas, including formal living and dining rooms, an open kitchen, and a comfortable family room designed for both everyday living and entertaining. The primary suite offers a private en-suite bathroom with a walk-in shower and access to the beautifully remodeled guest bathroom that features a relaxing tub. Fresh interior paint and numerous recent improvements make the home truly move-in ready. Additional features include a well-equipped laundry room with cabinetry, utility sink, and a refrigerator, an oversized 24' x 26' two-car garage with built-in storage closets, rain gutters, a lake-fed irrigation system, a deep driveway with plenty of parking, and two A/C systems installed in 2021 and 2023. Step outside and enjoy the Florida lifestyle. Relax with your morning coffee on the covered front porch overlooking Lake Howard, or entertain family and friends on the expansive concrete patio overlooking the spacious backyard. Across the street, your private dock provides direct access to Lake Howard and the famous Winter Haven Chain of Lakes, connecting you to 20 navigable lakes. Spend your days boating to waterfront restaurants and bars, watching seasonal Legoland fireworks from the water, seeing seaplanes take off from Lake Jessie, or visiting the Moose Lodge for dining and social events, all which area accessible by boat. Conveniently located between Tampa and Orlando, Winter Haven offers easy access to major airports, Gulf and Atlantic beaches, and a vibrant downtown filled with locally owned restaurants, craft cocktail bars, a brewery, boutiques, and a popular weekly farmers market. Don't just live on the water—experience the unmatched lifestyle of the Winter Haven Chain of Lakes. Schedule your private showing today.

Listing Agent

Deanna Stone

THE STONES REAL ESTATE FIRM Brokerage Phone: 863-412-2080 License #678978 Listed on: 07/06/2026

Co-Listing Agent

Michael Stone

THE STONES REAL ESTATE FIRM Brokerage Phone: 863-412-2080 License #3103005

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $6,199

Year Built

  • Built in 1954

Lot Details

  • 20,647 Sq Ft Lot
  • Lot Dimensions are 100x205
  • 200 Feet of Waterfront
  • 100 Feet of Chain of Lakes Waterfront
  • Lake Front
  • North Facing Home
  • Mature Landscaping
  • Oversized Lot
  • Level Lot
  • Irrigation Equipment
  • Landscaped with Trees
  • Property is zoned R-1C

Parking

  • 2 Car Attached Garage
  • Oversized Parking
  • Garage Door Opener
  • Driveway
  • Guest Parking

Home Design

  • Ranch Style House
  • Slab Foundation
  • Shingle Roof
  • Block Exterior
  • Stucco

Interior Spaces

  • 2,118 Sq Ft Home
  • Built-In Features
  • Shelving
  • Ceiling Fan
  • Wood Burning Fireplace
  • Blinds
  • Sliding Doors
  • Family Room
  • Formal Dining Room
  • Inside Utility
  • Chain Of Lake Views

Kitchen

  • Eat-In Kitchen
  • Breakfast Bar
  • Range
  • Microwave
  • Dishwasher
  • Granite Countertops
  • Disposal

Flooring

  • Wood
  • Carpet
  • Laminate
  • Concrete
  • Ceramic Tile

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Studio bedroom
  • En-Suite Bathroom
  • In-Law or Guest Suite
  • Private Water Closet
  • Bathtub with Shower
  • Shower

Laundry

  • Laundry Room
  • Washer

Outdoor Features

  • Fishing Pier
  • Access To Lake
  • Access To Chain Of Lakes
  • Water Skiing Allowed
  • Dock made with wood
  • Open Dock
  • Lake Privileges
  • Covered Patio or Porch
  • Rain Gutters
  • Private Mailbox

Additional Homes

  • 720 SF Accessory Dwelling Unit

Schools

  • Lake Shipp Elementary School
  • Denison Middle School
  • Lake Region High School

Utilities

  • Central Heating and Cooling System
  • Mini Split Air Conditioners
  • Electric Water Heater
  • High Speed Internet
  • Cable TV Available

Community Details

  • No Home Owners Association
  • Hanna Sub Subdivision

Listing and Financial Details

Home Details

Home Type

Single Family

Est. Annual Taxes

$6,199

Year Built

Built in 1954

Lot Details

0.47 Acres

Parking

2

Listing Details

  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Architectural Style: Ranch
  • Construction Materials: Block, Stucco
  • Fireplace: Yes
  • Living Area: 2118
  • Lot Size Acres: 0.47
  • New Construction: No
  • Year Built: 1954
  • Building Area Total: 3022
  • Lot Size Sq Ft: 20647
  • Status: Active
  • Street Direction: S
  • Co List Office Mls Id: MFR25502586
  • Co List Office Phone: 863-412-2080
  • Ownership: Fee Simple
  • Building Area Total Srch Sq M: 280.75
  • Escrow City: Orlando
  • Escrow State: FL
  • Escrow Street Name: E Pine St #500
  • Minimum Lease: 1-7 Days
  • RATIO Current Price By Calculate: 247.88
  • Total Acreage: 1/4 to less than 1/2
  • Water Access YN: 1
  • MFR_InLawSuiteYN: 1
  • MFR_DockDescription: Dock - Open,Dock - Wood
  • MFR_DockYN: 1
  • MFR_InLawSuiteDescription: Attached,Private Entrance,Studio
  • MFR_InLawSuiteUnderAirSqFt: 720.00
  • Attribution Contact: 863-412-2080
  • Tax Year: 2025
  • Special Features: None

Interior Features

  • Fireplace Features: Other, Wood Burning
  • Living Area Units: Square Feet
  • Flooring: Carpet, Ceramic Tile, Wood
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Interior Amenities: Built-in Features, Ceiling Fans(s), Eat-in Kitchen, Living Room/Dining Room Combo, Solid Surface Counters, Stone Counters
  • Appliances Included: Dishwasher, Disposal, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • Foundation Details: Slab
  • Total Bedrooms: 4
  • Levels: One
  • Other Equipment: Irrigation Equipment
  • Window Features: Blinds
  • Additional Rooms: Family Room,Formal Dining Room Separate,Formal Living Room Separate,Inside Utility,Interior In-Law Suite w/Private Entry
  • Living Area Meters: 196.77

Exterior Features

  • Direction Faces: North
  • Exterior Features: Private Mailbox, Rain Gutters, Sidewalk, Sliding Doors
  • Roof: Other, Shingle
  • Pool Private: No
  • View: Water
  • Water Body Name: LAKE HOWARD
  • Waterfront: Yes
  • Patio and Porch Features: Covered, Front Porch, Patio, Rear Porch
  • Road Surface Type: Asphalt
  • Water Access: Lake,Lake - Chain of Lakes
  • Water Extras: Fishing Pier,Skiing Allowed
  • Water View: Lake,Lake - Chain of Lakes
  • Water View YN: 1
  • Waterfront Feet Total: 200
  • Flood Zone Panel: 12105C0365G
  • Water Frontage Feet Lake: 100
  • Additional Water Information: Chain of Lakes
  • Water Frontage Feet Lake Chain: 100

Garage/Parking

  • Attached Garage: Yes
  • Carport Y N: No
  • Garage Spaces: 2
  • Garage Yn: Yes
  • Parking Features: Driveway, Garage Door Opener, Guest, Oversized

Utilities

  • Utilities: BB/HS Internet Available, Cable Available, Electricity Connected, Public, Sewer Connected, Water Connected
  • Cooling: Central Air, Mini-Split Unit(s)
  • Heating: Central, Electric
  • Laundry Features: Electric Dryer Hookup, Laundry Room, Washer Hookup
  • Sewer: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Association: No
  • Senior Community: No
  • Association 2 YN: 0
  • Association Approval Required YN: 0
  • Pet Restrictions: Contact City of Winter Haven for all pet restrictions. No livestock allowed.

Fee Information

  • Total Annual Fees: 0.00
  • Total Monthly Fees: 0.00

Schools

  • Elementary School: Lake Shipp Elem
  • High School: Lake Region High
  • Middle Or Junior School: Denison Middle

Lot Info

  • Zoning: R-1C
  • Parcel Number: 26-28-29-618700-000030
  • Additional Parcels: No
  • Lot Features: City Limits, Landscaped, Level, Oversized Lot, Sidewalk, Paved
  • Lot Dimensions: 100x205
  • Flood Zone Code: X, AE

Rental Info

  • Furnished: Unfurnished
  • Pets Allowed: Cats OK, Dogs OK, Yes
  • Lease Restrictions YN: 0
  • Additional Lease Restrictions: Contact City of Winter Haven for all leasing restrictions. Short term renting is allowed.

Tax Info

  • Tax Annual Amount: 6199
  • Tax Book Number: 35-31
  • Tax Lot: 3

Multi Family

  • Waterfront Features: Lake Front, Lake Privileges

Map

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $6,199 $316,799
2024 $5,597 $287,999
2023 $5,597 $261,817
2022 $4,869 $238,015 $0 $0
2021 $4,367 $216,377 $41,400 $174,977
2020 $4,156 $204,717 $39,100 $165,617
2018 $3,887 $188,298 $36,800 $151,498
2017 $3,379 $168,010 $0 $0
2016 $3,198 $152,736 $0 $0
2015 $3,012 $138,851 $0 $0
2014 $2,639 $126,228 $0 $0
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft
07/06/2026 07/06/26 For Sale $525,000 -- $248 / Sq Ft
Source: Stellar MLS

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Type Sale Price Title Company
Warranty Deed -- Attorney
Warranty Deed $200,000 --
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Loan Amount Loan Type
Previous Owner $152,000 No Value Available
Source: Public Records

Source: Stellar MLS

MLS Number: L4963275

Stellar MLS

APN: 26-28-29-618700-000030

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