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$264,900

316 LAKE SMART CIRCLE, WINTER HAVEN, FL 33881

3D Tour

Active77 days on market

Beds

Baths

Sq Ft

1,500 sq ft

Year Built

2022

Lot Size

0.15 acres

Garage

About This Property

This property is eligible under the 30 Day Freddie Mac First Look Initiative through 05/28/2026. OWNER OCCUPIED BUYERS and NSP offers will only be considered the first 30 days from initial MLS input date. Investors are encouraged to make an offer and will be considered after the First Look Initiative period has expired. Buyer pays Doc Stamps on deed. This 2022 home is barely lived in, Island kitchen opens to the great room plan, hard surface counter tops in the baths, 2 car garage, water filtration system. Home is in great condition. Call today to preview this home.

Property Overview

Property TypeResidential

Sub TypeSingle Family Residence

MLS #L4961472

StatusActive

Year Built2022

Stories1

Total Rooms6

ConstructionBlock, Stucco

RoofShingle

FoundationSlab

FacesNorth

SubdivisionLAKE SMART POINTE

CountyPolk

OwnershipFee Simple

Interior Features

InteriorEating Space In Kitchen, Split Bedroom, Walk-In Closet(s)

FlooringCarpet, Ceramic Tile

AppliancesWater Softener

LaundryInside, Laundry Room

CoolingCentral Air

HeatingCentral, Electric

Exterior & Lot

ExteriorIrrigation System, Sliding Doors

FencingVinyl

Lot Size0.15 acres (6,673 sq ft)

Lot Dimensions50 x 133

Lot FeaturesGentle Sloping, City Lot

Road SurfacePaved, Asphalt

Utilities

WaterPublic

SewerPublic Sewer

UtilitiesCable Available, Electricity Connected, Public, Sewer Connected, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes

HOA Fee$600 / Annually

Senior CommunityNo

Financial Details

List Price$264,900

Original Price$289,900

Annual Taxes$4,224 (2025)

FinancingCash, Conventional, FHA, VA Loan

Parcel #262809530006000520

Schools

ElementaryLake Alfred Elem

MiddleDenison Middle

HighWinter Haven Senior

Directions

FROM: Winter Haven, SR 544/Lucerne Park Rd, (R) Lake Smart Circle, (R) Lake Smart Circle to address on right.

Location

316 LAKE SMART CIRCLE, WINTER HAVEN, FL 33881

Listing Information

OfficeREMAX EXPERTS

ListedApril 29, 2026

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Preferred Time

Home Price

$264,900

Down Payment20% ($52,980)

Interest Rate6.75%

Loan Term

Principal & Interest$1,375

Property Tax (est.)$243

Insurance (est.)$150

Total Monthly$1,767

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Nearby Schools

Elementary School

Lake Alfred Elem

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Middle School

Denison Middle

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High School

Winter Haven Senior

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How to Buy This Home

Multiple financing options available for this $264,900 home in WINTER HAVEN.

🏛️

FHA Loan

$9,272 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$13,245 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Polk County SHIP

Varies

Income-qualifying Polk residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

Full Calculator →First-Time Buyer Guide →VA Loan Guide →

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. IDX information is provided exclusively 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. Data last updated: July 15, 2026.