David Ramirez
$1,799,900$1,950,0004 bd4 ba4,708 sqft$382 /sqft$11,171 /mo all-in ↓

13 BOGEY DRIVE, WINTER HAVEN, FL, 33881

Active191 days on marketListed Jan 13, 2026MLS #L4958559

Reduced $150KWaterfrontPrivate poolSingle Family ResidenceN/A

About this home

13 BOGEY DRIVE

Opportunities like this are nearly extinct. Just minutes from Winter Haven Country Club, this remarkable estate offers 10.98 acres of privacy, natural beauty, and flexibility in one of Winter Haven’s most coveted and tightly held locations—where land, space, and convenience rarely coexist. The 3,800 sq ft main residence has been completely remodeled with a refined, modern vision that blends luxury with everyday livability. Designed for both entertaining and comfortable living, the open-concept layout showcases luxury vinyl plank flooring throughout, expansive living areas, and a beautifully upgraded chef’s kitchen that serves as the heart of the home. With 4 bedrooms and 4 full bathrooms, the residence provides generous space for family and guests alike. Outdoors, a private pool invites relaxation while remaining surrounded by peaceful, natural views. Adding exceptional value and versatility, the property includes a 1,300 sq ft detached guest house featuring 2 bedrooms and 2 bathrooms, along with an upgraded kitchen and bath—ideal for extended family, long-term guests, or a private work-from-home or creative space. The land itself is what truly sets this property apart. The nearly 11-acre setting offers a thoughtful balance of open usable acreage, mature landscaping, and a scenic private pond, creating a sense of separation and tranquility that enhances both privacy and lifestyle. Multiple outbuildings, including a barn/garage and lean-to structure, provide ample room for storage, hobbies, equipment, or future expansion. In a market where acreage is disappearing and privacy is priceless, properties offering this scale of land, level of renovation, and proximity to town are exceptionally rare. This is not just a home—it’s a private retreat, a long-term asset, and an opportunity to own something truly irreplaceable.

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

4,708

Sqft

10.98 ac

Lot size

2

Garage

1994

Year built

Two

Levels

$382

Per sqft

Private poolWaterfrontTrees/Woods & Water viewPets allowed

Inside

FlooringCeramic Tile · Luxury Vinyl
AppliancesDishwasher · Electric Water Heater · Microwave · Range · Range Hood · Refrigerator
InteriorCeiling Fan(s) · PrimaryBedroom Upstairs · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air · Zoned
HeatingCentral

Outside & construction

RoofMetal
ConstructionBlock · Vinyl Siding · Wood Frame
FoundationSlab
ViewTrees/Woods · Water
FacesNorth
ParkingDriveway · Garage Door Opener
ExteriorFrench Doors · Private Entrance

Community & fees

Taxes (2025)$7,481/yr
PetsYes

Utilities & systems

UtilitiesElectricity Connected · Private
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$11,171 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$9,712
PMI (est., until 20% equity)$675
Property tax — 2025 actual bill$623
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $179,990Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

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

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $179,990
Interest rate6.00%
Loan term

Estimated payment

$11,171/mo

Principal & interest$9,712
PMI (est., until 20% equity)$675
Property taxes (actual bill)$623
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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 $1.8M
$918KedgeAI estimate $1,564,679 · range $956K$1.9M$2.0M

vs edgeAI estimate

+15%

$/sqft vs N/A

$382 vs $288

Days on market

191 vs 42 typical

Where $382/sqft sits among the 227 homes for sale in N/A

118
56 · this home
25
9
3
16
$134–290$290–446$446–602$602–758$758–914$914+

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 13 BOGEY DRIVE

Drive times from this address

Walt Disney World38 min
Universal Orlando48 min
Downtown Orlando54 min
Orlando Int’l Airport (MCO)59 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 marketBalanced6.5 months of inventoryBuyer’s market

$285K$287K

Winter Haven median sold, yr/yr

97.3%

Sale-to-list ratio (12 mo)

106 of 227

N/A have cut their price

Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 652% above the WINTER HAVEN 33881 median. See the full Winter Haven market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,799,900 $150K
Jan 13, 2026Listed at $1,950,000 · 191 days on market since
1994Built · N/A

Reality check

What actually sold near 13 BOGEY DRIVE

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

2202 OLD TAVARES ROADSold · Dec ’25

$573,000

2202 OLD TAVARES ROAD · same community

4 bd · 4.5 ba · 3,337 sqft · $172/sqft · 109 DOM

4701 NE JACKSONVILLE ROADSold · Dec ’25

$950,000

4701 NE JACKSONVILLE ROAD · same community

5 bd · 4 ba · 3,320 sqft · $286/sqft · 130 DOM

16422 SPRING VALLEY ROADSold · Mar ’26

$1,275,000

16422 SPRING VALLEY ROAD · same community

4 bd · 3 ba · 3,141 sqft · $406/sqft · 70 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 13 BOGEY DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 13 BOGEY 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.

Goes straight to David’s phone and CRM.

Straight answers

13 BOGEY DRIVE FAQs

What would the monthly payment be for 13 BOGEY DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,171/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 13 BOGEY DRIVE?+

The most recent tax bill on record (2025) was $7,481. 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 13 BOGEY 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 $1,799,900, this home is listed about 532% 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 13 BOGEY 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

Four things that matter here

01Positioned at the premium end

$1,799,900 runs 652% above the WINTER HAVEN 33881 median — but at 4,708 sqft it's also nearly 3 times the size of the typical Winter Haven listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

191 days on market against a Winter Haven median of 42 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $1,950,000, now $1,799,900 — a $150K cut. The full history is in the market section below.

Listing courtesy of THE MARKET REALTY COMPANY · Brock Jennings. MLS #L4958559.

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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