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Under contract-accepting backup offers. Welcome to a home where comfort, convenience, and peace of mind come together in one of Winter Haven’s most desirable and evolving areas. Nestled just minutes from the shores of Lake Howard and the charm of Downtown Winter Haven, this property offers the lifestyle so many are seeking—close to it all, yet tucked away in a quiet, established neighborhood. From the moment you arrive, you’ll appreciate the care and updates that make this home truly move-in ready. Major systems have already been taken care of for you, including a brand-new hot water heater installed in 2026, roof and HVAC systems both replaced in 2018, giving confidence for years to come. Inside all-new windows bring in natural light while improving energy efficiency. The home continues to shine with newer cabinets and updated appliances. The interior tells a story of thoughtful updates and everyday functionality—spaces that feel welcoming whether you’re hosting friends, enjoying a quiet evening, or simply living life comfortably. Every improvement has been made with both style and practicality in mind, allowing you to settle in without the stress of immediate projects. Step outside and you’re just moments away from everything that makes Winter Haven special. Spend your weekends enjoying the Chain of Lakes lifestyle at Lake Howard, take in the growing dining and entertainment scene downtown, or simply enjoy the continued growth and investment happening throughout the area—making this not just a great home, but a smart move for the future. If you’ve been looking for a home that blends updated features, prime location, and long-term value, this one checks all the boxes.
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.
Our family of companies offer our clients a new level of full-service real estate. We shall:
To learn more about our credentials, visit raveis.com today.
Our Executive Mortgage Banker:
Our Insurance Division:
$230,000
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 | $184,000 | $184,000 | $184,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.474% | 6.640% | 5.972% |
| Monthly Tax Payment | $200 | $200 | $200 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,133 | $1,162 | $1,528 |
| Total Monthly Payment | $1,408 | $1,437 | $1,803 |
* 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.