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$415,000

280 SANTA ROSA DRIVE, WINTER HAVEN, FL 33884

3D Tour
Active37 days on market

Beds

3

Baths

2

Sq Ft

2,251 sq ft

Year Built

1986

Lot Size

0.29 acres

Garage

2

About This Property

This property went under contract fast and it's back on the market, no fault of the owner. If you missed it the first time, here's your second chance! Welcome to the beautiful neighborhood of Overlook Estates. This 3 bedroom 2 bath + bonus room is waiting for its new owner/s to make it their own. This home is completely vacant which makes it that much easier to envision your own life here. When you first arrive you will notice the beautiful curb appeal this home offers. Upon entering you will be greeted by the stunning entrance. This home is bright and spacious with high ceilings and beautiful wood beams giving it character right off the bat. The kitchen was completely remodeled in 2022. It has floor to ceiling cabinets giving you plenty of space for storage. Use the large island with a built in cook top or move it over to a more formal dining room. Either way this home is the perfect place for entertaining. You can access the lanai/salt water pool from the primary bedroom, kitchen, living room, and even the full guest bath. The open floor plan allows for friends and family to gather while still having plenty of space to spread out. The primary bedroom with ensuite bath and walk in closet as well as that access to the lanai. The primary bathroom has a walk in shower, garden tub, dual vanity and also includes a walk in closet as well as a linen closet. The two additional bedrooms as well as a full bath are located on the opposite side of the house. A fourth room allows for the perfect office space or even a room to host your guests. This home has been wonderfully updated while still holding onto its charm and character. Schedule your showing today!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #L4964337
StatusActive
Year Built1986
Total Rooms8
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesNorth
SubdivisionOVERLOOK ESTATES
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, High Ceilings, Kitchen/Family Room Combo, Open Floorplan, Solid Wood Cabinets, Split Bedroom, Stone Counters, Walk-In Closet(s), Window Treatments
FlooringCarpet, Tile, Vinyl
AppliancesBuilt-In Oven, Convection Oven, Dishwasher, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer
LaundryInside, Laundry Room
CoolingCentral Air
HeatingCentral
FireplaceYes ()

Exterior & Lot

ExteriorFrench Doors, Irrigation System, Private Mailbox, Rain Gutters, Sidewalk, Sliding Doors, Sprinkler Metered
FencingWood
Lot Size0.29 acres (12,654 sq ft)
Lot Dimensions97 x 129
Road SurfacePaved
ViewPool

Pool & Spa

Private PoolYes
Pool FeaturesHeated, In Ground, Salt Water, Tile

Utilities

WaterPublic
SewerSeptic Tank
UtilitiesElectricity Connected, Sprinkler Meter

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$500 / Annually
Senior CommunityNo

Financial Details

List Price$415,000
Original Price$430,000
Annual Taxes$5,003 (2026)
FinancingCash, Conventional, FHA, Other, VA Loan
ZoningR
Parcel #262835662924001020

Schools

ElementaryElbert Elem
MiddleDenison Middle
HighWinter Haven Senior

Directions

From US-17 head north, turn right onto Cypress Gardens Blvd SW, in 2.5 miles turn left onto Overlook Dr. In .05 a mile turn left onto Wakulla Dr. SE and then take your immediate right turn into the Overlook Estates neighborhood.

Location

280 SANTA ROSA DRIVE, WINTER HAVEN, FL 33884

Listing Information

OfficeKELLER WILLIAMS REALTY SMART 1
ListedAugust 17, 2026

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Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$415,000

20% ($83,000)
6.75%

Loan Term

Principal & Interest$2,153
Property Tax (est.)$380
Insurance (est.)$150
Total Monthly$2,684
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $415,000 home in WINTER HAVEN.

🏛️

FHA Loan

$14,525 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

$20,750 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: September 29, 2026.

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