Skip to main content
1 / 51

$149,900

700 MIRROR TERRACE NW UNIT 511, WINTER HAVEN, FL 33881

3D Tour
Active81 days on market

Beds

2

Baths

2

Sq Ft

1,190 sq ft

Year Built

1970

Lot Size

—

Garage

—

About This Property

Enjoy maintenance-free lakefront living in this 2-bedroom, 2-bathroom condominium located in the highly sought-after Spring Lake Towers, a premier 55+ active adult community in the heart of Winter Haven. Updated in 2020, this inviting residence offers BREATHTAKING VIEWS OF SPRING LAKE, part of the scenic Spring Lake Meander, and a bright, open living space that feels like an indoor lanai, where walls of windows create the perfect setting to relax while overlooking the tranquil water. Both the primary bedroom and the second bedroom have direct access to this enclosed lakefront space, creating a seamless connection to the serene waterfront and providing the perfect spot to enjoy your morning coffee, unwind with a book, or simply take in the picturesque views of Spring Lake throughout the day. The updated kitchen is designed for both style and function, featuring soft-close cabinetry, porcelain countertops, recessed lighting, a decorative tile backsplash, a convection oven, and a convenient center island cart. Luxury vinyl flooring flows throughout the main living areas, while the bedrooms offer the comfort of carpet. The spacious primary suite features a walk-in closet and an ensuite bath, while the secondary bathroom has been tastefully updated with a beautifully tiled glass-enclosed shower. The all-inclusive condo fee provides exceptional value, covering cable TV, high-speed internet, water, sewer, trash removal, exterior building maintenance, roof maintenance, building insurance, reserve funds, on-site management, groundskeeping, and assigned covered parking. Residents enjoy an impressive selection of community amenities, including a waterfront in-ground concrete pool, fitness center, recreation room with a full kitchen, library, game area, shuffleboard courts, laundry facilities, private boat docks, and a year-round social calendar. Take advantage of the community's private dock, where boat slips are available on a first-come, first-served basis for a minimal monthly fee, offering convenient access to Spring Lake Meander for boating, fishing, or simply enjoying the peaceful waterfront setting. Ideally located just minutes from historic downtown Winter Haven, the renowned Chain of Lakes, shopping, dining, medical facilities, golf courses, and LEGOLAND® Florida Resort, this waterfront condo offers the perfect blend of low-maintenance living, spectacular views, and an active Florida lifestyle.

Property Overview

Property TypeResidential
Sub TypeCondominium
MLS #L4963333
StatusActive
Year Built1970
Stories7
Total Rooms3
ConstructionBlock, Stucco
RoofMembrane
FoundationSlab
FacesSouth
SubdivisionSPRING LAKE TOWERS
CountyPolk
OwnershipCondominium

Interior Features

InteriorElevator, Living Room/Dining Room Combo, Open Floorplan, Walk-In Closet(s)
FlooringCarpet, Ceramic Tile, Luxury Vinyl
AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Washer
LaundryInside, Laundry Room
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorLighting
Road SurfaceAsphalt, Paved
ViewTrees/Woods
0

Waterfront

WaterfrontYes
FeaturesLake Front, Lake - Chain of Lakes

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesElectricity Connected, Public, Water Connected

Parking

GarageNo
CarportYes

HOA & Community

HOAYes
HOA Fee$667 / Monthly
Senior CommunityYes

Financial Details

List Price$149,900
Annual Taxes$991 (2025)
FinancingCash, Conventional, FHA, VA Loan
Parcel #262820570421005110

Directions

HWY 17 to west on Mirror Terrace....Spring Lake Towers will be on the right. Please park at the wall.

Location

700 MIRROR TERRACE NW UNIT 511, WINTER HAVEN, FL 33881

Listing Information

OfficeKELLER WILLIAMS REALTY SMART 1
ListedJuly 17, 2026

Schedule a Tour

Pick a Day

Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$149,900

20% ($29,980)
6.75%

Loan Term

Principal & Interest$778
Property Tax (est.)$137
Insurance (est.)$150
Total Monthly$1,065
Full Calculator →

How to Buy This Home

Multiple financing options available for this $149,900 home in WINTER HAVEN.

🏛️

FHA Loan

$5,247 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

$7,495 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.

More Homes in Winter Haven

More Homes in Winter Haven

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 23, 2026.

Call (813) 733-7907TextContact