3824 GAINES DRIVE, Winter Haven, FL, 33884 | $1,499,000

Luxury lakefront home on the Winter Haven Chain of Lakes! A true luxury lakefront masterpiece on the shores of Lake Eloise, one of the most beautiful lakes on the world-famous Winter Haven Chain of Lakes. This architecturally stunning modern estate delivers more than 7, 400 sq ft of interior living space with 7 bedrooms, 5 full baths, and 2 half baths, blending contemporary design, industrial-inspired details, and resort-style outdoor living.
Commanding attention from the moment you arrive, the home features an elevated façade and dramatic dual staircase leading to an impressive open-concept great room with 28-foot ceilings, a full wall of glass, and sweeping panoramic lake views. Light-filled living spaces include a sunken formal living room with wood-burning fireplace, an expansive lower-level great room anchored by a suspended granite table, and a private media lounge opening to a peaceful courtyard.
The chef-inspired kitchen is a showpiece of modern design with stainless-steel counters, frosted glass cabinetry, bar seating for twelve, and high-end Miele appliances—including dual dishwashers and an integrated espresso system. A 260-gallon saltwater aquarium and a fiber-optic starlit ceiling elevate the ambiance, all seamlessly integrated with the home’s smart automation system.
Two primary suites—one on each level—feature spa-like baths and uninterrupted lake views. Additional guest suites include two private en-suite bedrooms and two connected by a stylish Jack-and-Jill bath. A seventh bedroom captures extraordinary water vistas, while an office/den provides flexibility for an eighth bedroom, playroom, or multigenerational living.
The outdoor spaces rival a private resort, featuring a lakefront pool and spa, sandy shoreline, and a newly built summer kitchen with grill, pizza oven, kegerator, and sink. The private dock and boathouse offer an electric boat lift, dual jet ski lifts, and large sun deck—perfect for exploring the Chain’s 20+ lakes, waterfront dining, and seasonal LEGOLAND fireworks.
Additional features include a two-car garage, dual carports for four vehicles, and an expansive paver drive. Recent updates include a new roof (2023), updated A/C units, and dual water heaters (2019).
Ideally situated between Tampa and Orlando, this Lake Eloise estate delivers world-class waterfront living, bold architectural design, and a lifestyle unmatched anywhere else on the Winter Haven Chain of Lakes.

Features

  • Rooms: 15
  • Bedrooms: 7
  • Baths: 5 full / 2 half
  • Lot Size: 248 x 125
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Style: Contemporary, Custom, Mid-Century Modern
  • Year Built: 1980
  • Garage: 2-car Driveway, Garage Door Opener, Garage Faces Side, Ground Level
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 7,448
  • Acreage: 0.64
  • Lot Size: 248 x 125
  • Est. Taxes: $14,333
  • HOA Fee: $553 Annually
  • Lot Desc: In County, Landscaped, Oversized Lot
  • View: Water
  • Elem. School: Pinewood Elem
  • Middle School: Denison Middle
  • High School: Lake Region High
  • Pool: Gunite, In Ground, Screen Enclosure
  • Pet Policy: Cats OK, Dogs OK, Yes
  • Appliances: Built-In Oven, Cooktop, Dishwasher, Disposal, Electric Water Heater, Microwave, Refrigerator, Water Filtration System
  • MLS#: P4936581
  • Days on Market: 105 days
  • Website: https://www.raveis.com
    /eprop/P4936581/3824gainesdrive_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 2/26/2026 1:58:55 AM)
Listing courtesy of THE STONES REAL ESTATE FIRM   Phone: 863-412-2080

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.

Customer Service

888.699.8876

Contact@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.

Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@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

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@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

3824 GAINES DRIVE, Winter Haven, FL, 33884

$1,499,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,199,200 $1,199,200 $1,199,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.375% 5.750% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.082% 5.858% 5.806%
Monthly Tax Payment $1,194 $1,194 $1,194
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $6,715 $6,998 $9,878
Total Monthly Payment $8,034 $8,317 $11,197

* 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.