728 LAKE NED ROAD, WINTER HAVEN, FL, 33884
Active102 days on marketListed Apr 22, 2026MLS #L4961335
About this home
728 LAKE NED ROAD
This move-in ready home is located in the Garden Grove area. Minutes away from Lake Ned boat ramp, Legoland, Publix, Walmart, Starbucks, banks, restaurants, and shopping. Home includes stainless steel kitchen appliances, washer and dryer. The home offers neutral colors and tile flooring throughout, a split floor plan, ample storage, interior laundry room, formal living room/bonus room, primary suite with walk-in closet, and the kitchen overlooks the combo family and dining room. Nice sized bedrooms and closets. The home also has a screened-in back porch and a large two-car garage. There is also extra driveway parking. Utilities and lawn maintenance are tenant responsibility. Applications: background check, credit report, $50/adult fee. No pets allowed. Apply online: https://apply.link/d_mhu-4
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,664
Sqft
0.2 ac
Lot size
2
Garage
1973
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$174 /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
$174/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs FLA HIGHLANDS CO SUB
$1 vs $195
Days on market
102 vs 42 typical
Where $1/sqft sits among the 7 homes for sale in FLA HIGHLANDS CO SUB
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
$285K → $287K
Winter Haven median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
2 of 7
FLA HIGHLANDS CO SUB have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% 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 728 LAKE NED ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$285,000
141 BROWNING CIRCLE · same community
2 bd · 2 ba · 1,629 sqft · $175/sqft · 22 DOM
Sold · Mar ’26$208,000
209 KILMER LANE · same community
3 bd · 1.5 ba · 1,723 sqft · $121/sqft · 40 DOM
Sold · Apr ’26$280,000
241 PAINE DRIVE · same community
3 bd · 2 ba · 1,730 sqft · $162/sqft · 82 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 728 LAKE NED ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 728 LAKE NED ROAD — 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
728 LAKE NED ROAD FAQs
What would the monthly payment be for 728 LAKE NED ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $174/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 728 LAKE NED ROAD?+
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 $1,900, this home is listed about 99% 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 728 LAKE NED ROAD?+
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
01Under the WINTER HAVEN 33884 market on paper
$1,900 is 99% below the WINTER HAVEN 33884 median of $284,315, and at $1/sqft it sits under the Winter Haven average of $172.
02Time on market is leverage
102 days on market against a Winter Haven median of 42 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $2,100, now $1,900 — a $200 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY SMART 1 · Caitlin Meadows. MLS #L4961335.
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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