$299,900
4919 ST JAMES DRIVE, WINTER HAVEN, FL 33881
Beds
3
Baths
2
Sq Ft
1,577 sq ft
Year Built
2010
Lot Size
0.16 acres
Garage
3
About This Property
Welcome to this beautiful 3-bedroom, 2-bathroom waterfront home in the desirable community of Winter Haven! This home combines comfort and scenic views with a spacious, functional floor plan designed for everyday living and entertaining. Wake up to peaceful water views and enjoy relaxing evenings overlooking the tranquil waterfront from your own backyard. The primary suite provides a private retreat with an en-suite bathroom, while two additional bedrooms are flexible for family, guests, or a home office. Conveniently located near shopping, dining, schools, parks, and Winter Haven’s renowned chain of lakes, this property combines a peaceful setting with easy access to everything you need. Don’t miss the opportunity to own your own slice of waterfront paradise—schedule your private showing today!
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Directions
From US Hwy 92, turn south onto Palmetto Dr., left onto Fox Trail, right onto Osprey Way, then left onto St. James Dr. Property is on the left.
Location
4919 ST JAMES DRIVE, WINTER HAVEN, FL 33881
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$299,900
Loan Term
How to Buy This Home
Multiple financing options available for this $299,900 home in WINTER HAVEN.
🏛️
FHA Loan
$10,497 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
$14,995 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: August 29, 2026.