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$459,900

1196 LAKE ELBERT DRIVE SE, WINTER HAVEN, FL 33880

3D Tour
Active1 days on market

Beds

5

Baths

3

Sq Ft

2,242 sq ft

Year Built

1952

Lot Size

0.59 acres

Garage

—

About This Property

NO HOA Lake Front 5 bedroom 3 bath Home in Winter Haven! This beautifully remodeled home enjoys elevated views of Lake Elbert! Inside the home you find Luxury vinyl plank flooring throughout the main living area with brand new carpet for comfort in the bedrooms. The large Kitchen boasts All wood cabinetry with durable quartz countertops and brand new Stainless steel appliance package! Enjoy time outside in the Screened in porch that overlooks the lake or enjoy time in the fenced in back yard that has citrus and star fruit trees! There is workshop or storage room out back as well. All major repairs and updates have been taken care of, including: newer roof, new HVAC, Water heater, windows and doors and this beautiful home is ready for its new owner! Schedule your showing today!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #P4939949
StatusActive
Year Built1952
Stories1
Total Rooms7
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesNorth
SubdivisionEAST EL OTIS PARK REP
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Open Floorplan, Primary Bedroom Main Floor, Solid Surface Counters, Solid Wood Cabinets, Stone Counters, Thermostat
FlooringCarpet, Luxury Vinyl
AppliancesDishwasher, Disposal, Exhaust Fan, Microwave, Range, Refrigerator
LaundryLaundry Room
CoolingCentral Air
HeatingCentral
FireplaceYes ()
SecuritySmoke Detector(s)

Exterior & Lot

ExteriorIrrigation System, Sidewalk
FencingChain Link
Other StructuresStorage, Workshop
Lot Size0.59 acres (25,888 sq ft)
Lot Dimensions100 x 170
Lot FeaturesCorner Lot, City Lot, Landscaped
Road SurfacePaved
ViewWater
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesElectricity Connected

Parking

GarageNo

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$459,900
Annual Taxes$5,427 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningR-1A
Parcel #262828595500000308

Directions

from down town winterhaven travel east on Central Ave and continue onto Lake Elbert Dr SE. house will be on the right at the corner of 12th.

Location

1196 LAKE ELBERT DRIVE SE, WINTER HAVEN, FL 33880

Listing Information

OfficeDALTON WADE INC
ListedSeptember 22, 2026

Schedule a Tour

Pick a Day

Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$459,900

20% ($91,980)
6.75%

Loan Term

Principal & Interest$2,386
Property Tax (est.)$422
Insurance (est.)$150
Total Monthly$2,958
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How to Buy This Home

Multiple financing options available for this $459,900 home in WINTER HAVEN.

🏛️

FHA Loan

$16,097 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

$22,995 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: September 23, 2026.

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