
194 S LAKE MARIAM DRIVE, WINTER HAVEN, FL, 33884
Active169 days on marketListed Feb 17, 2026MLS #L4959447
About this home
194 S LAKE MARIAM DRIVE
** $10K PRICE REDUCTION!** Welcome to this beautifully updated home in desirable Southeast Winter Haven, offering space, privacy, and modern upgrades on a generous half-acre lot. Step inside to vaulted ceilings and rich hardwood flooring that create a warm, open feel. The living room features a gas fireplace with mantle detail, adding character and comfort to the main gathering space. The fully renovated kitchen stands out with stainless steel appliances, granite countertops throughout, updated shaker-style cabinetry, and a sleek glass vent hood for a clean, contemporary finish. The layout flows effortlessly into the dining and living areas, making it ideal for both everyday living and entertaining. The enclosed rear patio is fully incorporated into the heated and cooled square footage, providing additional living space in a controlled climate year-round. From here, you overlook the expansive backyard with mature trees and complete privacy — and with no rear neighbors, that view and buffer will never change. The updated bathroom features a spacious walk-in shower with modern tile accents, granite vanity top, and upgraded lighting for a polished, spa-like feel. Outside, the half-acre homesite offers exceptional flexibility. There is ample room for a future pool, garden, or additional structure, along with space for boat or RV parking. A detached shed provides extra storage. The property backs to natural privacy with no rear neighbors ever, creating a peaceful setting that’s hard to find. Located in a one-way-in, one-way-out area of Southeast Winter Haven, the neighborhood offers limited traffic and added privacy while still being conveniently close to everything. With a little effort, this home could easily be converted into a 3-bedroom layout, adding even more value and flexibility for future owners. If you’re looking for updated interiors, privacy, and room to grow — this one checks boxes that most homes simply don’t.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,538
Sqft
0.5 ac
Lot size
2
Garage
2000
Year built
One
Levels
$254
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 — not generic estimates.
$2,943 /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
$2,943/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
+53.6%
$/sqft vs Winter Haven actives
$254 vs $170
Days on market
169 vs 48 typical
Where $254/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 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)
191 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 37% 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 194 S LAKE MARIAM DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$268,000
110 DUVAL ROAD
2 bd · 2 ba · 1,512 sqft · $177/sqft · 29 DOM
Sold · Jun ’26$300,000
237 OKALOOSA DRIVE
3 bd · 2.5 ba · 1,573 sqft · $191/sqft · 2 DOM
Sold · Dec ’25$290,000
107 ALACHUA DRIVE
3 bd · 2 ba · 1,580 sqft · $184/sqft · 55 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 194 S LAKE MARIAM DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 194 S LAKE MARIAM 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
194 S LAKE MARIAM DRIVE FAQs
What would the monthly payment be for 194 S LAKE MARIAM DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,943/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 194 S LAKE MARIAM DRIVE?+
The most recent tax bill on record (2025) was $3,770. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Winter Haven?+
At $390,000, this home is listed about 37% 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 194 S LAKE MARIAM DRIVE?+
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
$390,000 runs 37% above the WINTER HAVEN 33884 median.
02Time on market is leverage
169 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 $390,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY SMART 1 · Don Jerue. MLS #L4959447.
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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