815 LAKE NED ROAD, WINTER HAVEN, FL, 33884
Active37 days on marketListed Jun 26, 2026MLS #L4963085
About this home
815 LAKE NED ROAD
Enjoy the space and flexibility of this beautifully maintained property situated on 2.42 acres, offering a rare combination of privacy and convenience just minutes from shopping, dining, and everyday amenities in Winter Haven. With no HOA, no deed restrictions, and no CDD fees, this property provides exceptional versatility and is zoned for horses, creating opportunities for a variety of lifestyle and recreational uses. The home offers 3,155 square feet of living space, featuring a welcoming living room with a brick fireplace, an expansive 23' x 19' family room, and a flexible floor plan designed to accommodate today's needs. The formal dining room, highlighted by a beautiful bay window, can easily serve as a home office, hobby space, or additional living area. Car enthusiasts, hobbyists, and those needing extra storage will appreciate the impressive garage facilities, including a three-bay 57' x 31' detached garage with workshop and one bay is a drive-through, along with a spacious two-car attached garage. There is ample room for recreational vehicles, boats, equipment, and additional parking. Numerous updates provide added value and peace of mind, including * Roof replaced in 2021 * Exterior painted in 2024 * New garage door in 2024 * New refrigerator in 2025 * Microwave replaced in 2019 * Two water heaters (2019 and 2025) * Two HVAC systems, including one new unit installed in 2025 and the 2nd unit is 2010 * Brand-new mini-split system added to the family room as a 3rd unit. Offering a unique blend of acreage, functionality, and convenient access to downtown Winter Haven—approximately a 10-minute drive—this exceptional property is ready for its next owner. Schedule your private showing today and discover all the possibilities this remarkable home has.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
3,155
Sqft
2.42 ac
Lot size
2
Garage
1981
Year built
One
Levels
$215
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.
$4,392 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,392/mo
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.
vs edgeAI estimate
+37.5%
$/sqft vs NONE
$215 vs $341
Days on market
37 vs 42 typical
Where $215/sqft sits among the 270 homes for sale in NONE
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)
101 of 270
NONE have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 139% 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 815 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 · Jul ’26$311,760
7320 MARLO ROAD · same community
3 bd · 3 ba · 2,584 sqft · $121/sqft · 78 DOM
Sold · Jan ’26$410,000
301 CLARK STREET · same community
4 bd · 4 ba · 2,582 sqft · $159/sqft · 204 DOM
Sold · Dec ’25$111,000
517 CENTRAL AVENUE SE · same community
4 bd · 1.5 ba · 2,521 sqft · $44/sqft · 28 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 815 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 815 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
815 LAKE NED ROAD FAQs
What would the monthly payment be for 815 LAKE NED ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,392/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 815 LAKE NED ROAD?+
The most recent tax bill on record (2025) was $3,704. 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 815 LAKE NED ROAD?+
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 $679,900, this home is listed about 139% 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 815 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.
Keep looking
Similar homes nearby
Listing courtesy of REMAX EXPERTS · Barry Macchione. MLS #L4963085.
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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