1280 DENALI DRIVE, WINTER HAVEN, FL, 33881
Active176 days on marketListed Jan 29, 2026MLS #G5107453
Come see it
Upcoming open house
Fri, Jul 24
5:00 PM – 7:30 PM
About this home
1280 DENALI DRIVE
Virtually Staged. Move-In Incentive Available! Qualified buyers who finance with our affiliated lender may choose one of the following: a 4.5 interest rate or $5,000 toward closing costs (buyer must qualify; incentive applies only when using our affiliated lender). Welcome to this stunning 3-bedroom, 2.5-bath two-story home located on a quiet cul-de-sac in the desirable Lake Lucerne II community. Built in 2024 and beautifully enhanced with thoughtful upgrades, this home offers the peace of new construction with the added value buyers are looking for. The backyard is truly a showstopper, featuring a screened enclosure and backing up to conservation land with a serene pond view, creating the perfect setting to enjoy your morning coffee or unwind at the end of the day. Vinyl fencing along the sides and a rear metal fence preserve privacy without obstructing the view. Inside, the home features high ceilings throughout, luxury vinyl flooring (with carpeted stairs and tile in bathrooms and laundry), an open-concept floor plan, and elegant design touches including a detailed foyer wall and a charming electric fireplace in the living room. The upgraded kitchen boasts stone countertops, beautiful cabinetry, stainless steel appliances, a large island with bar seating, and a pantry, making it ideal for both everyday living and entertaining. Downstairs also includes a flex room perfect for a home office or guest space, a half bath, and a 2-car garage. Upstairs, a spacious loft offers endless possibilities, family room, playroom, or potential 4th bedroom. The primary suite is a true retreat, featuring tray ceilings, generous space for a king-sized bed, and an upgraded California Closet–designed walk-in closet offering exceptional storage and organization. The primary bath includes dual sinks and a walk-in shower. Two additional bedrooms, a full bath, and a well-appointed laundry room with sink complete the upper level. Additional upgrades include a whole-home water filtration system, security system, and a hybrid heat-pump water heater that efficiently heats water while cooling the garage. Enjoy resort-style living with no CDD, a community clubhouse, two pools, and a playground. Conveniently located near shopping, golf courses, and with easy access to I-4, you’re perfectly positioned between Orlando and Tampa, sunrise to sunset. This home is move-in ready and truly special. Schedule your private showing today and experience it for yourself.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,566
Sqft
0.17 ac
Lot size
2
Garage
2024
Year built
Two
Levels
$155
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,294 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,294/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−0.5%
$/sqft vs Winter Haven actives
$155 vs $171
Days on market
176 vs 42 typical
Where $155/sqft sits among the 400 Winter Haven actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Winter Haven
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
WINTER HAVEN 33881 — neighborhood snapshot
Population
39,189
Median age
43.6
Median income
$53,867
Median home value
$177,400
Avg household
2.61
Households w/ children
3,730
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Haven market
$285K → $287K
Winter Haven median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
197 of 400
Winter Haven actives have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 63% above the WINTER HAVEN 33881 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 1280 DENALI DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$339,990
256 MEREDITH BOULEVARD
5 bd · 3 ba · 2,531 sqft · $134/sqft · 58 DOM
Sold · Jul ’25$530,000
1396 LUCERNE LOOP ROAD NE
4 bd · 3 ba · 2,371 sqft · $224/sqft · 388 DOM
Sold · Feb ’26$369,990
321 MEREDITH BOULEVARD
4 bd · 2.5 ba · 2,278 sqft · $162/sqft · 113 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1280 DENALI DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1280 DENALI DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
1280 DENALI DRIVE FAQs
What would the monthly payment be for 1280 DENALI DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,294/mo — principal and interest, the actual property-tax bill, the $92/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 1280 DENALI DRIVE?+
The association fee works out to $92 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1280 DENALI DRIVE?+
The most recent tax bill on record (2025) was $6,203. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1280 DENALI DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Winter Haven?+
At $399,000, this home is listed about 40% above the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1280 DENALI DRIVE?+
Lake Alfred Polytech Academy (middle), Fred G. Garner Academy (elementary), Winter Haven Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$399,000 runs 63% above the WINTER HAVEN 33881 median — but at 2,566 sqft it's also 55% larger than the typical Winter Haven listing.
02Time on market is leverage
176 days on market against a Winter Haven median of 42 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $419,000, now $399,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Luisa Hurtado. MLS #G5107453.
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 is deemed reliable but is not guaranteed accurate by Stellar MLS.
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