5197 PEBBLE BEACH BOULEVARD, WINTER HAVEN, FL, 33884
Active221 days on marketListed Dec 15, 2025MLS #P4937220
About this home
5197 PEBBLE BEACH BOULEVARD
Don't miss out on this opportunity to reside in a home located on the WEST golf course in Lake Ashton. FURNITURE AVAILABLE! GOLF CART INCLUDED! WASHER/DRYER INCLUDED! This Callaway Floor plan with NEW A/C (December 2025) is a "Green" home with 2 Bedrooms, 2 Baths, Plus a FLEX ROOM. This home has over 1,660 sq. ft. of living space. Located on the 17th Fairway of the West Golf Course in Lake Ashton, a guard-gated Florida 55+ community, this home offers a Split Plan. The kitchen package features a spacious dinette area, granite counter tops, stainless steel appliances, 42" cabinets and breakfast bar. The foyer with high ceiling is welcoming and is a passage to the laundry room and 2nd bedroom. The laundry room is directly to your left and to your right is a hallway with 2 linen closets that leads to the 2nd bedroom and Guest Bath. The laundry room is accessible from the foyer and the garage. The living room, kitchen and dinette are centrally located in this home- OPEN & SPACIOUS. The Den/Office is directly off the living room and is currently being used as a bedroom. There are triple sliders in the living room that separate the screened and covered lanai with tile floor. The primary suite with large walk in closet includes a master bath with dual sinks and a comfort height vanity, walk in shower and separate water closet with window. Other upgrades in this home include tile flooring in the Living Areas (Bedrooms are carpeted), water softener, ceiling fans, screened entryway, automatic screen on the garage door. Lake Ashton offers a Main Clubhouse with a theater, bowling lanes, card, craft and billiard rooms, fitness center, restaurant (Charm City), and outdoor heated pool. Residents also enjoy tennis courts, shuffleboard courts, Bocce and planned activities in the community. There is a Health and Fitness Center with an indoor heated lap pool, 1/2 basketball, indoor racquetball, pickle ball courts and MORE... Make an appointment to tour this home and Lake Ashton TODAY!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,677
Sqft
0.14 ac
Lot size
2
Garage
2016
Year built
One
Levels
$203
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.
$2,549 /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
$2,549/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
+13.9%
$/sqft vs LAKE ASHTON WEST PH 01
$203 vs $194
Days on market
221 vs 42 typical
Where $203/sqft sits among the 8 homes for sale in LAKE ASHTON WEST PH 01
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 Lake Ashton
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
Lake Ashton — neighborhood snapshot
Population
3,278
Median age
62
Median income
$75,204
Median home value
$304,700
Avg household
2
Households w/ children
115
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)
3 of 8
LAKE ASHTON WEST PH 01 have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 19% 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 5197 PEBBLE BEACH BOULEVARD
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$420,000
5332 HOGAN LANE · same community
3 bd · 2 ba · 1,677 sqft · $250/sqft · 114 DOM
Sold · Jul ’26$320,000
5384 HOGAN LANE · same community
2 bd · 2 ba · 1,682 sqft · $190/sqft · 319 DOM
Sold · Jul ’25$307,500
5341 HOGAN LANE · same community
3 bd · 2.5 ba · 1,682 sqft · $183/sqft · 97 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 5197 PEBBLE BEACH BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5197 PEBBLE BEACH BOULEVARD — 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
5197 PEBBLE BEACH BOULEVARD FAQs
What would the monthly payment be for 5197 PEBBLE BEACH BOULEVARD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,549/mo — principal and interest, the actual property-tax bill, the $5/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 5197 PEBBLE BEACH BOULEVARD?+
The association fee works out to $5 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5197 PEBBLE BEACH BOULEVARD?+
The most recent tax bill on record (2024) was $2,785. 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 5197 PEBBLE BEACH BOULEVARD?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 $340,000, this home is listed about 19% 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 5197 PEBBLE BEACH BOULEVARD?+
Chain Of Lakes Elementary School (elementary), Lake Region High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$340,000 runs 19% above the WINTER HAVEN 33884 median.
02Golf Course views
The golf course view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
221 days on market against a Winter Haven median of 42 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $355,000, now $340,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LAKE ASHTON REALTY INC. · Lori Raath. MLS #P4937220.
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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