Beds
3
Baths
2
Sq Ft
1,725 sq ft
Year Built
2020
Lot Size
0.15 acres
Garage
2
About This Property
Imagine yourself starting each morning with a cup of coffee on your covered lanai, enjoying the peaceful Florida weather before the day begins. Step inside this beautifully upgraded 3-bedroom, 2-bath split-plan home and you’ll immediately notice the care that’s been put into every detail. From the updated flooring throughout the bedrooms, living room, and dining room to the stunning epoxy countertops in the kitchen and bathrooms, this home blends comfort and style effortlessly. The kitchen has been refreshed with a modern backsplash, while new ceiling fans in the living room and primary bedroom add the perfect finishing touch. Outside, you’ll enjoy the privacy of a fully fenced backyard, a whole-home water filtration system, and the peace of mind that comes with a new roof installed in 2023. Conveniently located just minutes from I-4, shopping, dining, and entertainment, you’ll have everything you need close to home. Plus, enjoy access to two community pools and a community playing field. This isn’t just a house—it’s where movie nights become traditions, morning coffee becomes a ritual, and ordinary moments become memories. Ready to make it yours? Let’s schedule your private showing today.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Directions
Head east on Lucerne Park Rd (CR 544). Continue for approximately 2 miles. Turn left into the Lakeside Landings community (the subdivision where Royal Tern Dr is located). Follow the community roads to Royal Tern Dr. Arrive at 3184 Royal Tern Dr, Winter Haven, FL 33881.
Location
3184 ROYAL TERN DRIVE, WINTER HAVEN, FL 33881
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$286,900
Loan Term
How to Buy This Home
Multiple financing options available for this $286,900 home in WINTER HAVEN.
🏛️
FHA Loan
$10,042 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
$14,345 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: July 18, 2026.