
1475 S LAKE HOWARD DRIVE, WINTER HAVEN, FL, 33880
Active28 days on marketListed Jul 6, 2026MLS #L4963275
About this home
1475 S LAKE HOWARD DRIVE
Welcome to the Chain Life! Situated on a spacious 0.47-acre lot with no HOA, this beautifully updated lakefront property on Lake Howard offers a rare opportunity to enjoy life on the renowned Winter Haven Chain of Lakes. One of the home's most desirable features is the beautifully remodeled studio-style guest suite with its own private entrance and en-suite bathroom. Complete with a wood-burning fireplace and ample space to add a kitchenette, this versatile space is ideal as a mother-in-law suite, private guest quarters, home office, or game room. This property would make a great short term rental for VRBO or Airbnb! The main residence features 3 bedrooms and 2.5 baths with numerous updates throughout. The renovated kitchen showcases new cabinetry, beautiful granite countertops, a stainless steel range and microwave, breakfast bar seating, and picturesque views of the backyard. Wood flooring flows through the spacious living areas, including formal living and dining rooms, an open kitchen, and a comfortable family room designed for both everyday living and entertaining. The primary suite offers a private en-suite bathroom with a walk-in shower and access to the beautifully remodeled guest bathroom that features a relaxing tub. Fresh interior paint and numerous recent improvements make the home truly move-in ready. Additional features include a well-equipped laundry room with cabinetry, utility sink, and a refrigerator, an oversized 24' x 26' two-car garage with built-in storage closets, rain gutters, a lake-fed irrigation system, a deep driveway with plenty of parking, and two A/C systems installed in 2021 and 2023. Step outside and enjoy the Florida lifestyle. Relax with your morning coffee on the covered front porch overlooking Lake Howard, or entertain family and friends on the expansive concrete patio overlooking the spacious backyard. Across the street, your private dock provides direct access to Lake Howard and the famous Winter Haven Chain of Lakes, connecting you to 20 navigable lakes. Spend your days boating to waterfront restaurants and bars, watching seasonal Legoland fireworks from the water, seeing seaplanes take off from Lake Jessie, or visiting the Moose Lodge for dining and social events, all which area accessible by boat. Conveniently located between Tampa and Orlando, Winter Haven offers easy access to major airports, Gulf and Atlantic beaches, and a vibrant downtown filled with locally owned restaurants, craft cocktail bars, a brewery, boutiques, and a popular weekly farmers market. Don't just live on the water—experience the unmatched lifestyle of the Winter Haven Chain of Lakes. Schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,118
Sqft
0.47 ac
Lot size
2
Garage
1954
Year built
One
Levels
$248
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.
$3,999 /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
$3,999/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.
$/sqft vs Winter Haven actives
$248 vs $170
Days on market
28 vs 46 typical
Where $248/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 33880 — neighborhood snapshot
Population
42,336
Median age
36.5
Median income
$56,803
Median home value
$200,900
Avg household
2.8
Households w/ children
5,516
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)
192 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 33880 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 1475 S LAKE HOWARD DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$289,900
1422 AVENUE H SW · same community
3 bd · 1 ba · 1,810 sqft · $160/sqft · 13 DOM
Sold · Jul ’26$384,900
2008 RIVER HAWK LOOP
3 bd · 2 ba · 2,032 sqft · $189/sqft · 79 DOM
Sold · Jul ’26$783,000
1290 N LAKE SHIPP DRIVE N
3 bd · 3 ba · 2,001 sqft · $391/sqft · 31 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 1475 S LAKE HOWARD DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1475 S LAKE HOWARD 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
1475 S LAKE HOWARD DRIVE FAQs
What would the monthly payment be for 1475 S LAKE HOWARD DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,999/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 1475 S LAKE HOWARD DRIVE?+
The most recent tax bill on record (2025) was $6,199. 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 1475 S LAKE HOWARD DRIVE?+
The listing reports pets: Cats OK, Dogs OK, 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 $525,000, this home is listed about 84% above the Winter Haven median of $284,990. The market section on this page shows how the area is trending.
Which schools are assigned to 1475 S LAKE HOWARD DRIVE?+
Denison Middle School (middle), Winter Haven Senior High School (high), John Snively Elementary (elementary) — 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 · Deanna Stone. MLS #L4963275.
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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