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$589,500

1302 LAKE ELBERT DR SE, WINTER HAVEN, FL 33880

Active123 days on market

Beds

5

Baths

5

Sq Ft

2,626 sq ft

Year Built

1947

Lot Size

0.40 acres

Garage

2

About This Property

Come and See this Amazing Lake Front Home Located in the Water Skiing Capital of the World, on Lake Elbert in Winter Haven, FL. As you enter the front door of this beautiful Home the hardwood floors will delight your eyes as you look down the long foyer to the right that leads pass the kid's 2 Bedrooms area for them to enjoy, to a large Family room with Lake Views that will be one of your favorite places to relax. Going back down the foyer you will end up seeing the 1st floor Master King Ensuite with Lake views and a private bathroom on the left, and the Stunning Gourmet Kitchen on the right flowing into a light-filled Dining Sunroom with Lake Views, perfect for entertaining. This Home is the ideal home to Live in full time, or Enjoy it here during your favorite time of the year, or use it for a short term rental or longer term while you're at your other home. This Home easily sleeps 10 with it's 5 Bedroom, 4.5 Bathrooms, a kid's area that will sleep 4, while the Adults can appreciate 3 King Master Ensuites with their own Bathrooms. The kid's 2 bedrooms area with a bathroom circles back with a door into the Kitchen, the HUB of the home. You can go out the rear door to the nice patio and the 2 car Garage / Game Room that also has the Laundry Room and a Full Bathroom with a walk in Shower. Back inside, going up to the 2nd floor you have a door going out to the balcony in the front of the home over the 1st floor patio that allows for the peaceful Lake views. The other 2 Master King Ensuites with Walk in Closets and Private Full Bathrooms. Sitting on almost 1/2 acre on a hill up from the Lake, this AMAZING HOME with so much to love and could be Yours's to ENJOY all year or create a Great Cash Flow for your Retirement. It is only about a 10 minutes drive to LEGOLAND, and aproxamently 30 minutes or so to DISNEY WORLD, UNIVERSAL STUDIOS, SEA WORLD, and OTHER PARKS, and only about 1.5 hours to the BEAUTIFUL FLORIDA BEACHES OR EITHER SIDE OF THE STATE. Come and See this Amazing Home the is Priced to SELL.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #L4962421
StatusActive
Year Built1947
Total Rooms14
ConstructionBlock
RoofShingle
FoundationCrawlspace
FacesNorth
SubdivisionELBERT HILLS
CountyPolk
OwnershipFee Simple
FurnishedNegotiable

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen
FlooringTile, Hardwood
AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Wine Refrigerator
LaundryElectric Dryer Hookup, Inside, Laundry Room, Washer Hookup
CoolingCentral Air, Zoned
HeatingCentral, Electric
SecurityFire Alarm, Security Lights, Security System, Smoke Detector(s)

Exterior & Lot

ExteriorBalcony, Irrigation System, Lighting, Private Entrance, Rain Gutters, Sidewalk
FencingBoard
Lot Size0.40 acres (17,250 sq ft)
Lot FeaturesCity Lot, Landscaped, Oversized Lot, Sidewalk
Road SurfaceAsphalt, Paved
ViewCity, Trees/Woods, Water
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Available, Electricity Available, Electricity Connected, Public, Sewer Available, Sewer Connected, Street Lights, Water Available, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$589,500
Annual Taxes$7,971 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningR-1A
Parcel #262827592500000171

Directions

Go to Winter Haven on HWY 17. Turn on Cypress Garden Blvd. Go to 6th St and turn left and go past Winter Haven High School. Turn right on Lake Elbert Dr. 1302 Lake Elbert Dr SE is on the RIGHT at 13th St.

Location

1302 LAKE ELBERT DR SE, WINTER HAVEN, FL 33880

Listing Information

OfficeELEVATE REAL ESTATE BROKERS
ListedJune 5, 2026

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Home Price

$589,500

20% ($117,900)
6.75%

Loan Term

Principal & Interest$3,059
Property Tax (est.)$540
Insurance (est.)$150
Total Monthly$3,749
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How to Buy This Home

Multiple financing options available for this $589,500 home in WINTER HAVEN.

🏛️

FHA Loan

$20,633 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

$29,475 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.

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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: June 23, 2026.

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