6643 WESTCHESTER DRIVE NE, WINTER HAVEN, FL, 33881
Active122 days on marketListed Apr 6, 2026MLS #L4960802
About this home
6643 WESTCHESTER DRIVE NE
Welcome to easy Florida lake view living in this beautifully updated 2-bedroom, 2-bath home located in a friendly 55+ no pet community on the shores of sparkling Lake Henry in sunny Winter Haven. Offering 1,456 square feet of comfortable living space, this well-loved home has been thoughtfully improved from top to bottom and is ready for its next owner. Step inside to find a bright and inviting interior featuring all new flooring, updated lighting, and ceiling fans throughout. The completely renovated kitchen is a standout, showcasing soft-close cabinetry with convenient pull-out drawers, providing both style and functionality. Both bathrooms have been tastefully remodeled, offering a fresh, modern feel. Major updates include a new roof, new AC system, new dual-pane double tilt-in windows, new skylights, and a new electrical panel—giving peace of mind for years to come. The guest bedroom comes fully furnished, making it perfect for visiting family or friends. Enjoy year-round relaxation in the Florida room, complete with its own heating and cooling, or step outside to the private backyard patio surrounded by beautiful landscaping and a full irrigation system. Enjoy lake view from both front and rear of this beautiful home! This home offers the perfect blend of comfort, convenience, and low-maintenance living in a welcoming lakefront community. Call today to schedule your private tour!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,456
Sqft
0.1 ac
Lot size
1990
Year built
One
Levels
$120
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.
$1,363 /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
$1,363/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
+4.3%
$/sqft vs Winter Haven actives
$120 vs $170
Days on market
122 vs 48 typical
Where $120/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 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
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)
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 29% below the WINTER HAVEN 33881 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 6643 WESTCHESTER DRIVE NE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$120,000
6685 BRIARHILL DR NE · same community
2 bd · 2 ba · 1,534 sqft · $78/sqft · 119 DOM
Sold · Mar ’26$165,000
6613 WESTCHESTER DRIVE NE · same community
2 bd · 2 ba · 1,274 sqft · $130/sqft · 37 DOM
Sold · May ’26$130,000
6617 WESTCHESTER DRIVE NE · same community
2 bd · 2 ba · 1,200 sqft · $108/sqft · 6 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 6643 WESTCHESTER DRIVE NE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6643 WESTCHESTER DRIVE NE — 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
6643 WESTCHESTER DRIVE NE FAQs
What would the monthly payment be for 6643 WESTCHESTER DRIVE NE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,363/mo — principal and interest, the actual property-tax bill, the $46/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 6643 WESTCHESTER DRIVE NE?+
The association fee works out to $46 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6643 WESTCHESTER DRIVE NE?+
The most recent tax bill on record (2025) was $604. 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 6643 WESTCHESTER DRIVE NE?+
The listing reports pets: No. 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 $174,900, this home is listed about 39% 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 6643 WESTCHESTER DRIVE NE?+
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
Three things that matter here
01Under the WINTER HAVEN 33881 market on paper
$174,900 is 29% below the WINTER HAVEN 33881 median of $245,000, and at $120/sqft it sits under the Winter Haven average of $174.
02Time on market is leverage
122 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 $185,000, now $174,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Laura Villardi. MLS #L4960802.
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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