4840 OLD LUCERNE PARK RD, Winter Haven, FL, 33881 | $425,000

Lakefront Retreat on Beautiful Lake Lucerne! Situated on 0. 84 acres, this updated 3-bedroom, 2-bath home offers stunning views of Lake Lucerne from the second-floor balcony, wraparound deck, screened porch, and spacious backyard. Even better, all three bedrooms feature sliding glass doors overlooking the lake, bringing the beauty of the waterfront indoors. The inviting living room showcases a stone fireplace with cedar wood walls to accent, creating warmth and rustic charm. Numerous updates include fully remodeled bathrooms, refreshed kitchen, new flooring throughout, new interior doors, roof (2019), A/C (2017), tankless hot water heater (2024), and water softener. Whether you're relaxing on the porch, entertaining on the deck, or simply enjoying the peaceful lake views, this property offers the perfect blend of comfort, character, and waterfront living. This home is in a successful vacation rental program and is being offered turnkey and ready to go for the next home owner or an investor interested in continuing the rental opportunity. Don't forget to view the attached 3-D Interactive Tour for a virtual walkthrough of the home.

Features

  • Rooms: 10
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 151 x 305 x 80 x 278
  • Laundry: In Garage
  • Year Built: 1977
  • Garage: 1-car Driveway
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,927
  • Acreage: 0.84
  • Lot Size: 151 x 305 x 80 x 278
  • Est. Taxes: $2,170
  • Lot Desc: Cleared, In County
  • View: Water
  • Water Front: Yes
  • Elem. School: Lake Alfred Elem
  • Middle School: Denison Middle
  • High School: Winter Haven Senior
  • Pet Policy: Yes
  • Appliances: Dishwasher, Range, Range Hood, Refrigerator
  • MLS#: P4938821
  • Days on Market: 9 days
  • Website: https://www.raveis.com
    /prop/P4938821/4840oldlucerneparkrd_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 6/19/2026 10:17:08 PM)
Listing courtesy of POLK REAL ESTATE LLC   Phone: 863-679-1710

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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4840 OLD LUCERNE PARK RD, Winter Haven, FL, 33881

$425,000

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 Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $340,000 $340,000 $340,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.603% 5.952%
Monthly Tax Payment $181 $181 $181
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,036 $2,147 $2,823
Total Monthly Payment $2,292 $2,403 $3,079

* 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.