
1185 SANDPIPER LOOP, WINTER HAVEN, FL, 33881
Active13 days on marketListed Jul 6, 2026MLS #L4963274
About this home
1185 SANDPIPER LOOP
If you've been waiting for the one home that truly stands above everything else in its price range, your search ends here. Better than new and extensively upgraded beyond anything the builder offers today, this extraordinary 2023-built residence in Chestnut Creek is the definition of turnkey luxury. Every inch of this home reflects exceptional craftsmanship, meticulous attention to detail, and an uncompromising commitment to quality. With well over $150,000 invested after construction—including a custom resort-style pool and spa that alone exceeded $120,000—this is a property that simply cannot be replicated at this price point. Offering four bedrooms, two-and-a-half baths, a private office, and a three-car garage, the home makes an unforgettable first impression with meticulous landscaping, decorative landscape lighting, an extended paver walkway, epoxy-coated garage floors, and a fully fenced backyard. Inside, luxury vinyl plank flooring has replaced the builder-grade flooring throughout, complemented by upgraded baseboards, custom window treatments that remain, and carefully selected designer finishes that elevate every room. A private office with French doors provides the perfect work-from-home space, while the expansive open-concept floor plan offers effortless everyday living and entertaining. The kitchen is both stunning and functional, featuring upgraded stainless Samsung appliances, an oversized quartz island with breakfast bar seating, abundant cabinetry, a spacious walk-in pantry, a touch-activated faucet, and seamless flow into the dining and living areas. The spacious primary suite serves as a luxurious retreat with a walk-in closet featuring custom organizational systems, granite vanity, a soaking tub, oversized walk-in shower, and generous proportions. Three additional bedrooms provide flexibility for family and guests, while the upgraded half bath showcases custom shiplap detailing. Even the laundry room has been thoughtfully appointed with Samsung washer and dryer that convey with the home. Step outside and discover what truly sets this property apart. Designed for a private resort feel, the backyard centers around a spectacular heated saltwater pool and spa featuring Jandy automation, an automated pool cleaner, expansive paver decking, a screened enclosure, and a covered lanai. Combined with lush landscaping and evening landscape lighting, the outdoor living space offers an extraordinary setting for entertaining or simply relaxing in complete privacy. Additional premium upgrades include a radiant roof barrier for enhanced energy efficiency, water softener, irrigation system, extensive garage storage systems that convey with the home, epoxy garage flooring, and countless additional improvements that would cost a substantial amount of time and money to duplicate today. Even the three-car garage has been transformed into an exceptionally organized and highly functional space with professional storage solutions ideal for vehicles, hobbies, and equipment. Located in the desirable Chestnut Creek community, you'll enjoy the benefits of newer construction while remaining just minutes from downtown Winter Haven, shopping, restaurants, Winter Haven Hospital, Polk State College, and the renowned Chain of Lakes. Convenient access to the Polk Parkway and I-4 places Lakeland, Tampa, Orlando, major employers, international airports, and Central Florida attractions within easy reach. Schedule your appointment today!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,410
Sqft
0.25 ac
Lot size
3
Garage
2023
Year built
One
Levels
$236
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.
$3,922 /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
$3,922/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
+5.9%
$/sqft vs Winter Haven actives
$236 vs $171
Days on market
13 vs 42 typical
Where $236/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 Poinsettia Park
Drive times from this address
Get to know Winter Haven. See the full Winter Haven guide →
Poinsettia Park — neighborhood snapshot
Population
708
Median age
36
Median income
$78,816
Median home value
$233,205
Avg household
3
Households w/ children
100%
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)
207 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 136% above the WINTER HAVEN 33881 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 1185 SANDPIPER LOOP
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$343,000
970 14TH STREET NE
4 bd · 3 ba · 2,408 sqft · $142/sqft · 211 DOM
Sold · Jul ’26$353,200
1212 W LAKE BUCKEYE DRIVE
4 bd · 2.5 ba · 2,395 sqft · $147/sqft · 13 DOM
Sold · Feb ’26$342,500
1599 AVENUE E NE
4 bd · 3 ba · 2,218 sqft · $154/sqft · 22 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 1185 SANDPIPER LOOP — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1185 SANDPIPER LOOP — 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
1185 SANDPIPER LOOP FAQs
What would the monthly payment be for 1185 SANDPIPER LOOP?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,922/mo — principal and interest, the actual property-tax bill, the $63/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 1185 SANDPIPER LOOP?+
The association fee works out to $63 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1185 SANDPIPER LOOP?+
The most recent tax bill on record (2025) was $4,918. 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 1185 SANDPIPER LOOP?+
The listing reports pets: Breed Restrictions, Yes. 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 $569,900, this home is listed about 100% 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 1185 SANDPIPER LOOP?+
Elbert Elementary School (elementary), Denison Middle School (middle), Winter Haven Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of THE STONES REAL ESTATE FIRM · Michael Stone. MLS #L4963274.
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.
Never miss a listing
New Winter Haven homes, in your inbox
Like 1185 SANDPIPER LOOP but not quite? A daily digest of every new listing in Winter Haven — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →


