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$520,000

1475 S LAKE HOWARD DRIVE, WINTER HAVEN, FL 33880

Active91 days on market

Beds

4

Baths

4

Sq Ft

2,118 sq ft

Year Built

1954

Lot Size

0.47 acres

Garage

2

About This Property

Virtually Staged. Welcome to the Chain Life! Situated on a spacious 0.47-acre lot with no HOA, this beautifully updated lakefront property on Lake Howard offers a rare opportunity to enjoy life on the renowned Winter Haven Chain of Lakes. One of the home's most desirable features is the beautifully remodeled studio-style guest suite with its own private entrance and en-suite bathroom. Complete with a wood-burning fireplace and ample space to add a kitchenette, this versatile space is ideal as a mother-in-law suite, private guest quarters, home office, or game room. This property would make a great short term rental for VRBO or Airbnb! The main residence features 3 bedrooms and 2.5 baths with numerous updates throughout. The renovated kitchen showcases new cabinetry, beautiful granite countertops, a stainless steel range and microwave, breakfast bar seating, and picturesque views of the backyard. Wood flooring flows through the spacious living areas, including formal living and dining rooms, an open kitchen, and a comfortable family room designed for both everyday living and entertaining. The primary suite offers a private en-suite bathroom with a walk-in shower and access to the beautifully remodeled guest bathroom that features a relaxing tub. Fresh interior paint and numerous recent improvements make the home truly move-in ready. Additional features include a well-equipped laundry room with cabinetry, utility sink, and a refrigerator, an oversized 24' x 26' two-car garage with built-in storage closets, rain gutters, a lake-fed irrigation system, a deep driveway with plenty of parking, and two A/C systems installed in 2021 and 2023. Step outside and enjoy the Florida lifestyle. Relax with your morning coffee on the covered front porch overlooking Lake Howard, or entertain family and friends on the expansive concrete patio overlooking the spacious backyard. Across the street, your private dock provides direct access to Lake Howard and the famous Winter Haven Chain of Lakes, connecting you to 20 navigable lakes. Spend your days boating to waterfront restaurants and bars, watching seasonal Legoland fireworks from the water, seeing seaplanes take off from Lake Jessie, or visiting the Moose Lodge for dining and social events, all which area accessible by boat. Conveniently located between Tampa and Orlando, Winter Haven offers easy access to major airports, Gulf and Atlantic beaches, and a vibrant downtown filled with locally owned restaurants, craft cocktail bars, a brewery, boutiques, and a popular weekly farmers market. Don't just live on the water—experience the unmatched lifestyle of the Winter Haven Chain of Lakes. Schedule your private showing today.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #L4963275
StatusActive
Year Built1954
Total Rooms14
ConstructionBlock, Stucco
RoofOther, Shingle
FoundationSlab
FacesNorth
SubdivisionHANNA SUB
CountyPolk
OwnershipFee Simple

Interior Features

InteriorBuilt-in Features, Ceiling Fan(s), Eating Space In Kitchen, Living Room/Dining Room Combo, Solid Surface Counters, Stone Counters
FlooringCarpet, Ceramic Tile, Hardwood
AppliancesDishwasher, Disposal, Electric Water Heater, Microwave, Range, Refrigerator, Washer
LaundryElectric Dryer Hookup, Laundry Room, Washer Hookup
WindowsBlinds
CoolingCentral Air, Mini-Split Unit(s)
HeatingCentral, Electric
FireplaceYes ()

Exterior & Lot

ExteriorIrrigation System, Private Mailbox, Rain Gutters, Sidewalk, Sliding Doors
Lot Size0.47 acres (20,647 sq ft)
Lot Dimensions100 x 205
Lot FeaturesCity Lot, Landscaped, Level, Oversized Lot, Sidewalk
Road SurfacePaved, Asphalt
ViewWater
0

Waterfront

WaterfrontYes
FeaturesLake Front, Lake - Chain of Lakes

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Available, Electricity Connected, Public, Sewer Connected, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$520,000
Original Price$525,000
Annual Taxes$6,199 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningR-1C
Parcel #262829618700000030

Schools

ElementaryLake Shipp Elem
MiddleDenison Middle
HighLake Region High

Directions

Located on the south side of Lake Howard. From 6th St, Hwy 17, take Central Ave towards Lake Howard. Make a left on Lake Howard Dr SW and follow around to the south side of the lake. The home is across the street from the lake, house number 1475.

Location

1475 S LAKE HOWARD DRIVE, WINTER HAVEN, FL 33880

Listing Information

OfficeTHE STONES REAL ESTATE FIRM
ListedJuly 6, 2026

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Home Price

$520,000

20% ($104,000)
6.75%

Loan Term

Principal & Interest$2,698
Property Tax (est.)$477
Insurance (est.)$150
Total Monthly$3,325
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $520,000 home in WINTER HAVEN.

🏛️

FHA Loan

$18,200 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

$26,000 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: October 5, 2026.

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