129 LAKE OTIS ROAD SE, WINTER HAVEN, FL, 33884
Active211 days on marketListed Jan 7, 2026MLS #L4958266
About this home
129 LAKE OTIS ROAD SE
Short Sale. This charming home is a diamond in the rough, waiting for the right owner to unlock its full potential. Located in a sought-after neighborhood of picturesque red brick homes, this property offers a unique opportunity for those with vision and ambition. This home is being sold as a short sale, making it an ideal project for those looking to invest in a renovation loan and transform it into one of the best investments on the street. Surrounded by beautiful homes with strong property values, this two-level home boasts 5 bedrooms (with potential for a 6th), three bathrooms, and 2579 square feet of living space. Inside, you'll find real hardwood floors, double-paned windows, a cozy wood-burning fireplace, and a double car garage, all situated on a spacious 0.32-acre lot. With a little TLC and creativity, this property has the potential to become a stunning showcase home that stands out in the neighborhood. Don't miss this opportunity to own a piece of Winter Haven's red brick charm and create the home of your dreams. Schedule a showing today and start envisioning the possibilities that await.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,579
Sqft
0.32 ac
Lot size
2
Garage
1966
Year built
Two
Levels
$126
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.
$2,379 /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
$2,379/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
−28.5%
$/sqft vs LAKEWOOD
$126 vs $218
Days on market
211 vs 48 typical
Where $126/sqft sits among the 13 homes for sale in LAKEWOOD
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 33884 — neighborhood snapshot
Population
36,395
Median age
45.3
Median income
$70,516
Median home value
$269,400
Avg household
2.58
Households w/ children
3,777
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
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
6 of 13
LAKEWOOD have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% above the WINTER HAVEN 33884 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 129 LAKE OTIS ROAD SE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$950,000
2746 ZUNI ROAD · same community
5 bd · 4 ba · 2,573 sqft · $369/sqft · 0 DOM
Sold · Nov ’25$950,000
2746 ZUNI ROAD · same community
5 bd · 4 ba · 2,573 sqft · $369/sqft · 0 DOM
Sold · Aug ’25$1,816,870
359 E Lakewood Road, West Palm Beach FL 33405 · same community
3 bd · 2 ba · 2,088 sqft · $870/sqft · 0 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 129 LAKE OTIS ROAD SE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 129 LAKE OTIS ROAD SE — 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
129 LAKE OTIS ROAD SE FAQs
What would the monthly payment be for 129 LAKE OTIS ROAD SE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,379/mo — principal and interest, the actual property-tax bill, the $100/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 129 LAKE OTIS ROAD SE?+
The association fee works out to $100 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 129 LAKE OTIS ROAD SE?+
The most recent tax bill on record (2025) was $739. 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 129 LAKE OTIS ROAD SE?+
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 $325,000, this home is listed about 14% 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 129 LAKE OTIS ROAD SE?+
Elbert Elementary School (elementary), Winter Haven Senior High School (high), Denison Middle School (middle) — 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
$325,000 runs 14% above the WINTER HAVEN 33884 median — but at 2,579 sqft it's also 54% larger than the typical Winter Haven listing.
02Time on market is leverage
211 days on market against a Winter Haven median of 48 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $400,000, now $325,000 — a $75K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Kelley Blackburn. MLS #L4958266.
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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