David Ramirez
$415,000$449,0004 bd2.5 ba2,495 sqft$166 /sqft$3,162 /mo all-in ↓

108 LAKE REGION BOULEVARD N, WINTER HAVEN, FL, 33881

Active247 days on marketListed Dec 3, 2025MLS #L4957549

Reduced $34KSingle Family ResidenceGATES OF LAKE REGION

About this home

108 LAKE REGION BOULEVARD N

Impressive custom home in the quaint gated community of The Gates of Lake Region in Winter Haven FL. This beautifully maintained neighborhood is known for its picturesque brick-walled entrance, lush mature landscaping, tranquil ponds with fountains, and pride of ownership throughout. Unlike larger developments, The Gates of Lake Region offers a warm, neighborly atmosphere where residents enjoy quiet streets, manicured lawns, quality-built homes, and a true sense of community. This spacious 2,500-square-foot residence was originally constructed as a builder's model home and showcases numerous upgrades and architectural details throughout. Built with high-efficiency Ytong concrete block construction, the home offers superior sound reduction, enhanced structural performance, and meaningful energy savings. The elegant floor plan features 4 spacious bedrooms (one currently utilized as an office), 2 full bathrooms, and 1 half bath. Refined interior finishes include crown molding, oversized custom doors, handcrafted double entry doors, custom cabinetry, ceiling fans, a jetted tub in the primary suite, and a generously sized laundry room. Mature landscaping and a covered front entry create an inviting first impression. Inside, the foyer opens to formal living and dining areas accented by soaring ceilings and detailed trim work, providing an elegant setting for both everyday living and entertaining. The well-appointed kitchen offers abundant cabinetry, solid-surface countertops, a closet pantry, and a bright breakfast nook overlooking the screened lanai and private brick-walled backyard. The comfortable family room is centered around a granite-faced gas fireplace that adds warmth and character. A desirable split-bedroom layout provides privacy for the primary suite, which features a spacious walk-in closet, soaking tub, and tiled walk-in shower. The guest wing includes two additional bedrooms with generous closet space and convenient access to the guest bath. Outdoor living is equally inviting with a large screened lanai, mature tropical landscaping, and a private brick-walled backyard designed for relaxation and enjoyment. Additional features include an oversized two-car garage, natural gas water heater, irrigation system, and an efficient interior laundry room with additional storage. Residents of The Gates of Lake Region enjoy a peaceful setting surrounded by scenic ponds, decorative fountains, and beautifully maintained common areas, all while being just minutes from the Winter Haven Chain of Lakes, several golf courses, the Country Club of Winter Haven, medical facilities, shopping, dining, and Downtown Winter Haven. A new Publix is also planned nearby for added convenience. Orlando, Tampa, international airports, and both Florida coasts are all within easy driving distance. If you're searching for a community that combines timeless charm, quality homes, beautiful surroundings, and a genuine neighborhood feel, The Gates of Lake Region is a place you'll be proud to call home.

Facts & features

The home at a glance

4

Bedrooms

2.5

Bathrooms

2,495

Sqft

0.27 ac

Lot size

2

Garage

1996

Year built

One

Levels

$166

Per sqft

FireplaceTrees/Woods viewNegotiablePets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Dryer · Gas Water Heater · Microwave · Refrigerator · Washer
InteriorCrown Molding · Eating Space In Kitchen · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofConcrete
ConstructionBlock
FoundationSlab
ViewTrees/Woods
FacesWest
ParkingDriveway
ExteriorIrrigation System

Community & fees

HOA fee$85/mo
Taxes (2025)$3,479/yr
PetsYes
CommunityGated Community - No Guard

Utilities & systems

UtilitiesElectricity Connected · Natural Gas Connected · Sewer Connected · Water Connected
WaterPublic

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.

$3,162 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,443
FHA mortgage insurance (est.)$184
Property tax — 2025 actual bill$290
HOA fee — from the listing$85
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,525Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $14,525
Interest rate6.00%
Loan term

Estimated payment

$3,162/mo

Principal & interest$2,443
FHA mortgage insurance (est.)$184
Property taxes (actual bill)$290
HOA / condo fee$85
Est. insurance$160

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.

List $415K
$354KedgeAI estimate $423,858 · range $369K$570K$593K

vs edgeAI estimate

−2.1%

$/sqft vs Winter Haven actives

$166 vs $170

Days on market

247 vs 48 typical

Where $166/sqft sits among the 400 Winter Haven actives

53
74
114 · this home
89
29
41
$108–131$131–154$154–178$178–201$201–224$224+

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

Map of 108 LAKE REGION BOULEVARD N

Drive times from this address

Walt Disney World41 min
Universal Orlando51 min
Downtown Orlando57 min
Orlando Int’l Airport (MCO)62 min
Downtown Tampa69 min

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

MiddleLake Alfred Polytech Academy★★★★
ElementaryFred G. Garner Academy★★★★
HighWinter Haven Senior High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Winter Haven market

Seller’s marketBalanced5.2 months of inventoryBuyer’s market

$283K$280K

Winter Haven median sold, yr/yr

97.2%

Sale-to-list ratio (12 mo)

194 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 69% above the WINTER HAVEN 33881 median. See the full Winter Haven market guide →

Paper trail

This home's history

CurrentPrice reduced to $415,000 $34K
Dec 3, 2025Listed at $449,000 · 247 days on market since
1996Built · GATES OF LAKE REGION

Reality check

What actually sold near 108 LAKE REGION BOULEVARD N

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

332 NIBLICK CIRCLESold · Feb ’26

$314,000

332 NIBLICK CIRCLE · same community

3 bd · 2 ba · 1,797 sqft · $175/sqft · 5 DOM

132 LAKE REGION CIRCLESold · Sep ’25

$414,500

132 LAKE REGION CIRCLE

3 bd · 3 ba · 2,486 sqft · $167/sqft · 460 DOM

1936 CROSSROADS BOULEVARDSold · Jun ’26

$489,000

1936 CROSSROADS BOULEVARD

4 bd · 3 ba · 2,467 sqft · $198/sqft · 60 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 108 LAKE REGION BOULEVARD N — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 108 LAKE REGION BOULEVARD N — before you fall in love.

See it in person

Schedule a tour

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Goes straight to David’s phone and CRM.

Straight answers

108 LAKE REGION BOULEVARD N FAQs

What would the monthly payment be for 108 LAKE REGION BOULEVARD N?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,162/mo — principal and interest, the actual property-tax bill, the $85/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 108 LAKE REGION BOULEVARD N?+

The association fee works out to $85 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 108 LAKE REGION BOULEVARD N?+

The most recent tax bill on record (2025) was $3,479. 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 108 LAKE REGION BOULEVARD N?+

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 $415,000, this home is listed about 46% 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 108 LAKE REGION BOULEVARD N?+

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

Four things that matter here

01Positioned at the premium end

$415,000 runs 69% above the WINTER HAVEN 33881 median — but at 2,495 sqft it's also 49% larger than the typical Winter Haven listing.

02Trees/Woods views

The trees/woods view is part of what you're buying — views hold value independently of the structure.

03Time on market is leverage

247 days on market against a Winter Haven median of 48 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $449,000, now $415,000 — a $34K cut. The full history is in the market section below.

Listing courtesy of THE STONES REAL ESTATE FIRM · Michael Stone. MLS #L4957549.

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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