2803 SAN MARCO WAY, Winter Haven, FL, 33884 | $362,990

Welcome to The Lancaster in the highly desirable Villamar community—where timeless elegance meets modern comfort.

This stunning two-story home from our Heritage Collection blends classic design with contemporary living, offering the perfect space for those who appreciate style and functionality.

Upon entering, you're welcomed by a spacious foyer that flows seamlessly into the open-concept living areas. The main floor features upgraded tile flooring throughout, creating a sleek and inviting atmosphere. This level includes a 4th bedroom and full bath, offering flexibility and convenience. The kitchen is a chef's dream, featuring stainless steel appliances, quartz countertops, and a side-by-side refrigerator. The kitchen opens into the dining and great room, making it ideal for entertaining or daily living.

Upstairs, the home offers a spacious loft area with wood railings—perfect for a home office, media room, or relaxation. The perfectly placed laundry room is conveniently located near the secondary bedrooms and includes a washer and dryer. The second floor also features a full bath with a shower/tub combo.

The master suite offers a luxurious retreat, complete with an ensuite bath and an expansive walk-in closet.

This home is equipped with Smart Home features, including a Ring Video Doorbell, Smart Thermostat, Keyless Entry Smart Door Lock, and DEAKO Switches for added convenience and security.

The exterior of The Lancaster is equally impressive, with architectural details that enhance the home's curb appeal. A 2-car garage and extended patio provide ample space for both storage and outdoor living. Additionally, landscaping and an irrigation system add to the home's appeal and ease of maintenance.

The home comes with a full builder warranty, providing peace of mind for years to come.

Located in the Villamar community, enjoy amenities like a resort-style swimming pool, clubhouse, playground, dog park, and more.

Experience the perfect combination of elegance, convenience, and modern amenities in The Lancaster. Schedule your tour today!

Features

  • Rooms: 10
  • Bedrooms: 4
  • Baths: 3 full
  • Laundry: Laundry Room
  • Style: Craftsman, Florida
  • Year Built: 2026
  • Garage: 2-car Driveway
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,298
  • Acreage: 0.1
  • Est. Taxes: $3,035
  • HOA Fee: $156 Annually
  • Lot Desc: Landscaped
  • Elem. School: Chain O Lakes Elem
  • Middle School: Mclaughlin Middle
  • High School: Lake Region High
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Washer
  • MLS#: O6296316
  • Days on Market: 152 days
  • Website: https://www.raveis.com
    /prop/O6296316/2803sanmarcoway_winterhaven_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 2/1/2026 2:39:51 AM)

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Jessica KimballLuxury Properties Specialist

203.988.5770

Jessica.Kimball@Raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Kevin DeTullioVP, Mortgage Banker / Production Manager, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 1724767

203.305.5736

Kevin.DeTullio@Raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Brian SkellyVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 793093

203.415.2989

Brian.Skelly@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Diane PadelliInsurance Sales Director, William Raveis Insurance

203.444.0494

Diane.Padelli@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

2803 SAN MARCO WAY, Winter Haven, FL, 33884

$362,990

Jessica Kimball

Luxury Properties Specialist

William Raveis Real Estate

Phone: 203.988.5770

Jessica.Kimball@Raveis.com

Kevin DeTullio

VP, Mortgage Banker / Production Manager

William Raveis Mortgage, LLC

Phone: 203.305.5736

Kevin.DeTullio@Raveis.com

NMLS Mortgage Loan Originator ID 1724767

Brian Skelly

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 203.415.2989

Brian.Skelly@raveis.com

NMLS Mortgage Loan Originator ID 793093

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $290,392 $290,392 $290,392
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 6.000% 5.250%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.209% 6.178% 5.541%
Monthly Tax Payment $253 $253 $253
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,649 $1,741 $2,334
Total Monthly Payment $1,977 $2,069 $2,662

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.