Skip to main content
1 / 64

$389,000

228 W LAKE INA DRIVE, WINTER HAVEN, FL 33884

3D Tour
Active63 days on market

Beds

3

Baths

4

Sq Ft

1,675 sq ft

Year Built

1956

Lot Size

0.42 acres

Garage

1

About This Property

Virtually Staged. Welcome to lakefront living on beautiful Lake Ina in Winter Haven! This 3 bedroom, 4 bathroom pool home with NO HOA offers generously sized bedrooms, wood flooring throughout the living areas and bedrooms, and tile in the kitchen and bathrooms. The kitchen features granite countertops, wood cabinetry, a tile backsplash and a convenient breakfast bar. Two of the bathrooms showcase charming retro styling, adding unique character to the home. Two large picture windows frame peaceful lake views and fill the interior with natural light. Step outside and experience the Florida waterfront lifestyle, with opportunities to spend your days boating, fishing, water skiing or simply relaxing by the water and enjoying the views. Designed for outdoor living and entertaining, the property includes a covered deck, covered patio, outdoor kitchen, outdoor shower and a large swimming pool surrounded by an impressive 57 by 63 foot paver patio, along with a pool bath. Whether hosting poolside gatherings, launching out for a day on the lake or unwinding by the water at sunset, this home offers a true lakefront retreat!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #L4963984
StatusActive
Year Built1956
Total Rooms8
ConstructionBlock
RoofShingle
FoundationCrawlspace, Slab
FacesSouth
SubdivisionELOISE WOODS LAKE ROY UN
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, Living Room/Dining Room Combo, Primary Bedroom Main Floor, Solid Surface Counters, Solid Wood Cabinets, Thermostat
FlooringTile, Hardwood
AppliancesDishwasher, Microwave, Range, Refrigerator
LaundryOther
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorLighting, Outdoor Kitchen, Storage
FencingChain Link
Lot Size0.42 acres (18,295 sq ft)
Lot FeaturesLandscaped, Level
Road SurfacePaved

Pool & Spa

Private PoolYes
Pool FeaturesIn Ground

Waterfront

WaterfrontYes
FeaturesLake Front

Utilities

WaterPublic
SewerSeptic Tank
UtilitiesBB/HS Internet Available, Cable Available, Electricity Available, Phone Available

Parking

GarageYes (1 spaces)
CarportYes

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$389,000
Original Price$405,000
Annual Taxes$3,764 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningR-1
Parcel #262834660000001210

Schools

ElementaryChain O Lakes Elem
MiddleDenison Middle
HighLake Region High

Directions

Traveling east on Cypress Gardens Blvd. turn right onto W. Lake Ina Dr. Home will be on your left.

Location

228 W LAKE INA DRIVE, WINTER HAVEN, FL 33884

Listing Information

OfficeKELLER WILLIAMS REALTY
ListedAugust 4, 2026

Schedule a Tour

Pick a Day

Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$389,000

20% ($77,800)
6.75%

Loan Term

Principal & Interest$2,018
Property Tax (est.)$357
Insurance (est.)$150
Total Monthly$2,525
Full Calculator →

Nearby Schools

How to Buy This Home

Multiple financing options available for this $389,000 home in WINTER HAVEN.

🏛️

FHA Loan

$13,615 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

$19,450 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: September 6, 2026.

Call (813) 733-7907TextContact