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NO CDD!! Newer 4 bedroom home for sale in Winter Haven, Florida, located in the Lake Lucerne II community in Polk County with no CDD fees and a low quarterly HOA. Built in 2023 by KB Home, this single-story residence offers approximately 1, 707 square feet of modern living space designed for comfort, accessibility, and long-term value.
Thoughtfully designed with universal design features, the home includes 36-inch interior doorways, a no-step entry, and a smooth, open floor plan that allows for easy movement throughout the property. The split-bedroom layout provides added privacy, making it ideal for families, multigenerational living, or guests.
Inside, 18-inch ceramic tile runs through most of the main living areas, creating a clean and cohesive look. The spacious primary suite features a walk-in closet and automatic window blinds for added convenience. The kitchen serves as the focal point of the home, offering granite countertops, stainless steel appliances, and a seamless connection to the great room, making it well suited for everyday living and entertaining.
Outdoor living is enhanced by an extended covered lanai and a fully vinyl-fenced backyard, providing space for pets, gatherings, or private relaxation. Situated on a 0. 17-acre lot, the property offers manageable outdoor space without high maintenance requirements. Additional features include a two-car attached garage, public water and sewer, access to a community pool, and location in Flood Zone X.
Conveniently positioned in Winter Haven with access to Highway 17 and the I-4 corridor, this home allows for an easy commute to Lakeland, Tampa, and Orlando while maintaining the comfort of a residential neighborhood setting. Eligible for FHA, VA, conventional, or cash financing, this property is ideal for buyers searching for a move-in ready 4 bedroom home built in 2023 in Winter Haven with modern construction, accessibility features, and no CDD fees.
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Our Executive Mortgage Banker:
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William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $252,000 | $252,000 | $252,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.000% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.407% | 6.557% | 5.920% |
| Monthly Tax Payment | $351 | $351 | $351 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,511 | $1,572 | $2,076 |
| Total Monthly Payment | $1,937 | $1,998 | $2,502 |
* 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.