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Presented by
The Clark Team |
Located in the desirable waterfront community of Winterset Gardens, this uniquely designed SE Winter Haven pool home is set on an oversized half-acre-plus lot and offers community lake access to the beautiful Winter Haven Chain of Lakes. Important system upgrades provide added peace of mind including a newer architectural shingle roof (2024), new electrical panels (2025), new water heaters (2025), and a new A/C system (2025).
The home offers over 2, 600 square feet of spacious living and showcases distinctive architectural character, including arched openings, beautiful parquet wood flooring, generous room dimensions, and an elegant wood-burning fireplace. The floor plan includes spacious rooms throughout including a family room, formal living room and a formal dining room, creating a natural flow for everyday living and entertaining. The upgraded kitchen is conveniently positioned just off the foyer and features a dedicated breakfast nook, sleek all-wood custom cabinetry, granite countertops, stainless steel appliances, and a professional-style gas range with a stainless hood.
The primary bedroom suite is generously sized with en-suite bath access, while the guest bedroom offers comfortable proportions and a walk-in closet. The formal living room provides excellent flexibility for use as a home office, sitting room or conversion into a third bedroom to suit individual living needs.
Outdoor living is highlighted by an open-air pool, ample deck space, and a private backyard setting framed by mature plantings, with plenty of room to create your own backyard retreat. The expansive 0. 64-acre lot offers exceptional versatility, allowing space for boat or overflow parking, expanded outdoor living areas, or the creation of a garden or vegetable oasis.
Winterset Gardens features an optional POA (only $100 per year), with members enjoying access to the community boat ramp on Little Lake Winterset—part of the Winter Haven Chain of Lakes, a system of 20 canal-connected lakes offering some of Central Florida’s best boating, skiing, fishing, and waterfront dining. Ideally located just minutes from shopping, Publix grocery stores, Walmart, dining, and medical facilities, the home is also centrally positioned between Tampa and Orlando for convenient access to major airports and attractions.
While the property does require some updating, the combination of architectural character, oversized lot, pool, major system upgrades, and Chain of Lakes access presents a compelling opportunity to create a truly special residence in one of Winter Haven’s most sought-after waterfront communities.
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Our Executive Mortgage Banker:
Our Insurance Division:
$385,000
Sales Associates
William Raveis Real Estate
Phone: 954.234.9203
TheClarkTeam@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 | $308,000 | $308,000 | $308,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.375% | 5.990% | 5.125% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.137% | 6.132% | 5.396% |
| Monthly Tax Payment | $175 | $175 | $175 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,725 | $1,845 | $2,456 |
| Total Monthly Payment | $1,975 | $2,095 | $2,706 |
* 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.