Skip to main content
1 / 62

$765,000

3831 GAINES DRIVE, WINTER HAVEN, FL 33884

3D Tour
Active25 days on market

Beds

3

Baths

2

Sq Ft

2,678 sq ft

Year Built

2005

Lot Size

0.55 acres

Garage

2

About This Property

Virtually Staged. Welcome to 3831 Gaines Dr, where beautifully updated interiors, exceptional outdoor living, and the best of the Winter Haven lifestyle come together. Situated on an impressive half-acre-plus homesite in the established Gaines Cove area, this immaculate 3-bedroom plus dedicated office home offers the space, privacy, and character that can be difficult to find. The location is a standout. Enjoy being just minutes from the Winter Haven Chain of Lakes, with multiple nearby options for boat ramps and lake access, making it easy to spend your days boating, fishing, skiing, or exploring Winter Haven’s interconnected lakes. LEGOLAND Florida Resort is also just minutes away, along with shopping, dining, and the everyday conveniences of the Cypress Gardens area. Inside, an inviting open floor plan welcomes you with spacious living areas designed for both everyday comfort and entertaining. Architectural details, abundant natural light, plantation shutters, and a fireplace with built-ins add warmth and character throughout. The beautifully updated kitchen features brand-new appliances and flows seamlessly into the main living area, while updated bathrooms and thoughtful improvements throughout create a polished, move-in-ready feel. A dedicated office with French doors provides the perfect space for working from home, studying, or additional flex space. The upgrades go well beyond what you immediately see. The home features a Kinetico water filtration system, allergen air filtration system, and a Tesla charging station, adding modern convenience and functionality to an already impressive property. Step outside and discover what truly sets this home apart. The expansive screened outdoor living area creates your own private Florida backyard retreat, centered around a heated saltwater pool with plenty of space for relaxing and entertaining. The substantial covered lanai features an impressive outdoor kitchen with built-in grill, vent hood, sink, and refrigeration, complemented by generous outdoor dining and seating areas. Remote-controlled power sun shades on the rear lanai provide added shade, privacy, and comfort at the touch of a button, making this incredible space even more enjoyable throughout the day. And unlike many pool homes, the backyard doesn't end at the screened enclosure. Beyond the pool is an expansive fenced yard with abundant usable green space, mature trees, and beautifully maintained landscaping. The combination of a large homesite, resort-style pool area, covered outdoor living, and substantial backyard creates a wonderful sense of openness and privacy. Curb appeal is equally impressive, with a large paver driveway, expansive front lawn, mature landscaping, and welcoming covered front porch creating a memorable first impression. Spend the morning boating on the Chain of Lakes, the afternoon relaxing in your heated saltwater pool, cook dinner in your outdoor kitchen, and finish the evening unwinding on the lanai. With LEGOLAND just minutes away and shopping, dining, recreation, and multiple lake-access options nearby, 3831 Gaines Dr offers more than a beautifully updated home—it offers the Winter Haven lifestyle.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #O6441050
StatusActive
Year Built2005
Stories2
Total Rooms8
ConstructionBlock, HardiPlank Type, Stucco
RoofShingle
FoundationBlock, Slab
FacesEast
SubdivisionGAINES COVE
CountyPolk
OwnershipFee Simple
FurnishedNegotiable

Interior Features

InteriorCeiling Fan(s), Crown Molding, Open Floorplan, Primary Bedroom Main Floor, Stone Counters, Tray Ceiling(s), Walk-In Closet(s)
FlooringEngineered Hardwood
AppliancesDishwasher, Disposal, Microwave, Range, Refrigerator, Water Filtration System, Wine Refrigerator
LaundryLaundry Room
WindowsDouble Pane Windows
CoolingCentral Air
HeatingCentral, Electric
FireplaceYes ()
SecuritySecurity System

Exterior & Lot

ExteriorIrrigation System, Lighting, Outdoor Grill, Outdoor Kitchen, Private Yard
Lot Size0.55 acres (24,076 sq ft)
Lot Dimensions110 x 220
Road SurfaceAsphalt

Pool & Spa

Private PoolYes
Pool FeaturesAuto Cleaner, Heated, Lighting, Salt Water, Screen Enclosure

Utilities

WaterWell
SewerSeptic Tank
UtilitiesCable Available, Electricity Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$320 / Annually
Senior CommunityNo

Financial Details

List Price$765,000
Annual Taxes$3,522 (2025)
FinancingCash, Conventional, FHA, VA Loan
Parcel #262909687040000530

Directions

From Highway 27, head west on Thompson Nursery Road. Continue as the road turns into Eloise Loop Road, then turn right onto Eloise Loop Road at the intersection. Take a right onto Gaines Drive — the home will be on the left

Location

3831 GAINES DRIVE, WINTER HAVEN, FL 33884

Listing Information

OfficeCOLDWELL BANKER REALTY
ListedSeptember 11, 2026

Schedule a Tour

Pick a Day

Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$765,000

20% ($153,000)
6.75%

Loan Term

Principal & Interest$3,969
Property Tax (est.)$701
Insurance (est.)$150
Total Monthly$4,821
Full Calculator →

How to Buy This Home

Multiple financing options available for this $765,000 home in WINTER HAVEN.

🏛️

FHA Loan

$26,775 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

$38,250 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 12, 2026.

Call (813) 733-7907TextContact