6086 SOUTHERN OAKS DRIVE SE, WINTER HAVEN, FL, 33884
Active178 days on marketListed Feb 11, 2026MLS #L4959284
About this home
6086 SOUTHERN OAKS DRIVE SE
Seller's Motivated! Price just reduced! Welcome to 6086 Southern Oaks Drive SE, a beautifully updated and well- maintained, move in ready manufactured home located in the highly sought after 55+ community of Garden Grove Oaks where you OWN your Land and enjoy low HOA fees in a peaceful, well-maintained neighborhood. This home features two generously sized bedrooms and two full bathrooms. The primary suite boasts a private en-suite bath. Step into the living space filled with natural light featuring spacious living and dining areas ideal for entertaining or family gatherings. The kitchen has been updated and equipped with updated appliances (refrigerator and dishwasher are still under warranty), ample counter space and plenty of storage. Exterior doors have been replaced with wood doors. Roof was installed in 2018 A/C 2007. Laminate flooring throughout. The home has a shed and screened porch adding an additional 224 sq ft of space for storage or relaxing on the back screen porch. Enjoy community amenities, friendly neighbors and the convenience of being just minutes from local shopping, dining, medical facilities, and Winter Haven's world-famous Chain of Lakes. With access to major highways, commuting to nearby cities like Orlando or Tampa is a breeze. Don't miss the opportunity to make this beautifully maintained home in Garden Grove Oaks your new home! Schedule your private showing today and experience this property for yourself.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,040
Sqft
0.1 ac
Lot size
1998
Year built
One
Levels
$173
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.
$1,427 /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
$1,427/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
+18.5%
$/sqft vs GARDEN GROVE OAKS
$173 vs $128
Days on market
178 vs 49 typical
Where $173/sqft sits among the 9 homes for sale in GARDEN GROVE OAKS
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)
5 of 9
GARDEN GROVE OAKS have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 37% below the WINTER HAVEN 33884 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 6086 SOUTHERN OAKS DRIVE SE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$166,000
6071 SOUTHERN OAKS DRIVE SE · same community
2 bd · 2 ba · 1,022 sqft · $162/sqft · 20 DOM
Sold · Apr ’26$105,000
6204 KNOTTY PINE DRIVE SE · same community
2 bd · 2 ba · 1,014 sqft · $104/sqft · 269 DOM
Sold · Aug ’25$120,000
6059 SOUTHERN OAKS DRIVE SE · same community
2 bd · 2 ba · 1,152 sqft · $104/sqft · 153 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 6086 SOUTHERN OAKS DRIVE SE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6086 SOUTHERN OAKS DRIVE 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
6086 SOUTHERN OAKS DRIVE SE FAQs
What would the monthly payment be for 6086 SOUTHERN OAKS DRIVE SE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,427/mo — principal and interest, the actual property-tax bill, the $65/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 6086 SOUTHERN OAKS DRIVE SE?+
The association fee works out to $65 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6086 SOUTHERN OAKS DRIVE SE?+
The most recent tax bill on record (2025) was $749. 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 6086 SOUTHERN OAKS DRIVE SE?+
The listing reports pets: Cats OK, Dogs OK. 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 $180,000, this home is listed about 37% below the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 6086 SOUTHERN OAKS DRIVE 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
Four things that matter here
01Under the WINTER HAVEN 33884 market on paper
$180,000 is 37% below the WINTER HAVEN 33884 median of $284,900, and at $173/sqft it sits under the Winter Haven average of $174.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
178 days on market against a Winter Haven median of 49 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $185,000, now $180,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LOCKHART & ASSOCIATES INC · Anita Lowe. MLS #L4959284.
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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