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$399,000

6704 WINTERSET GARDENS ROAD, WINTER HAVEN, FL 33884

3D Tour
Active71 days on market

Beds

3

Baths

2

Sq Ft

2,418 sq ft

Year Built

1965

Lot Size

0.30 acres

Garage

2

About This Property

Virtually Staged. Rarely does a home this unique come to market! Situated on a spacious .30-acre lot directly across the street from beautiful Lake Winterset, this distinctive 3-bedroom, 2-bath mid-century modern pool home offers incredible character, great bones, and a fantastic opportunity for a buyer looking to add their own personal touches. Virtually staged. With no mandatory HOA or CDD, this property offers flexibility and an exceptional location. An optional neighborhood HOA of just $100 per year provides access to the community boat ramp, connecting you to the renowned Winter Haven Chain of 22 Lakes, one of Central Florida’s premier destinations for boating, fishing, and watersports. Unlike nearly any other Florida home, this property features an impressive 300+ square foot basement—a rare find offering endless possibilities as a wine cellar, hobby room, workshop, fitness area, or additional storage. The home's distinctive architectural design is complemented by spectacular views of Lake Winterset from the living and dining rooms, where sliding glass doors open to a charming wraparound front porch—the perfect place to enjoy your morning coffee while taking in the peaceful lake scenery. Upstairs, a spacious bonus room provides incredible flexibility and could be used as a potential fourth bedroom, media room, home office, or second living area. The space also includes a private balcony overlooking the front of the property and the lake. The kitchen offers plenty of potential and features quartz countertops, a center island, pantry, recessed lighting, tile backsplash, reverse osmosis system, garbage disposal, a window overlooking the screened pool, and a premium 2022 Samsung Bespoke appliance suite. The home has great bones and has received numerous important updates, while still offering an opportunity for the next owner to make cosmetic updates and truly make it their own. The thoughtful split-bedroom layout places all three spacious bedrooms down a private hallway away from the main living spaces. Wood-look tile flooring flows throughout the main living areas, while luxury vinyl plank flooring extends through the bedrooms, bathrooms, and upstairs bonus room. The spacious primary suite features dual vanities and a beautifully remodeled walk-in shower. Additional conveniences include an indoor laundry closet with the washer and dryer included, as well as a two-car garage. Step outside to your oversized screened, chlorinated pool complete with a diving board and removable safety fence, creating the perfect backyard retreat for entertaining family and friends year-round. Major improvements provide added peace of mind, including a new roof in 2025, new pool pump and well pump in 2025, new A/C ductwork and attic insulation in 2025, windows replaced in 2019, A/C replaced in 2019, water heater replaced in 2019, and new appliances installed in 2022. Ideally located just a short drive from Disney, Universal, LEGOLAND, and other Central Florida attractions, this one-of-a-kind home combines timeless mid-century modern architecture, a rare basement, beautiful lake views, an oversized pool, important major updates, access to the Winter Haven Chain of Lakes, and an opportunity to create a home that reflects your own style. Don't miss this rare opportunity to own one of the area's most distinctive homes overlooking beautiful Lake Winterset!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #S5153946
StatusActive
Year Built1965
Stories2
Total Rooms9
ConstructionStucco
RoofShingle
FoundationBasement, Block, Concrete Perimeter
FacesNorth
SubdivisionWINTERSET GARDENS
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Primary Bedroom Main Floor, Thermostat
FlooringLuxury Vinyl, Tile
AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Kitchen Reverse Osmosis System, Microwave, Refrigerator, Washer
LaundryLaundry Closet
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorOther
Lot Size0.30 acres (13,120 sq ft)
Lot Dimensions105 x 130
Road SurfaceAsphalt

Pool & Spa

Private PoolYes
Pool FeaturesChild Safety Fence, Diving Board, In Ground, Screen Enclosure

Utilities

WaterWell
SewerSeptic Tank
UtilitiesCable Available, Electricity Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$399,000
Original Price$482,500
Annual Taxes$5,337 (2025)
Parcel #262914687600005030

Directions

From Eloise Loop Rd, head north on Winterset Gardens Dr, East on Winterset Gardens Rd, Home will be on the right.

Location

6704 WINTERSET GARDENS ROAD, WINTER HAVEN, FL 33884

Listing Information

OfficeWEICHERT REALTORS HALLMARK PRO
ListedJuly 20, 2026

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Home Price

$399,000

20% ($79,800)
6.75%

Loan Term

Principal & Interest$2,070
Property Tax (est.)$366
Insurance (est.)$150
Total Monthly$2,586
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How to Buy This Home

Multiple financing options available for this $399,000 home in WINTER HAVEN.

🏛️

FHA Loan

$13,965 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

$19,950 Down

Traditional financing. As low as 3-5% down with good credit.

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

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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