601 LAKE PANSY DRIVE NW, WINTER HAVEN, FL, 33881
Active188 days on marketListed Feb 1, 2026MLS #P4937480
About this home
601 LAKE PANSY DRIVE NW
Lakefront living with a proper sunset! Down a private road with no HOA (because your house shouldn't come with a rule book). This renovated home offers direct frontage 80' on Lake Pansy and a bonus 80' of canal frontage across the street. The property provides excellent water access and endless sunset views. Outside is where this home really shows off with amenities including a heated saltwater pool / lap pool with markers on the bottom, lighting and water features, added style with a surfboard outdoor shower, screened in with panoramic panels because this view deserves center stage. The outdoor summer kitchen is outfitted with a refrigerator, table top ice chest, bar area, and a grill supplied by a 99-gallon propane tank, making it well-suited for entertaining all year round. The lanai is glassed in with cedar tongue and groove ceiling and motorized retractable sunshade, while enhanced landscape lighting and mature palm trees set the tropical tone. Additional exterior upgrades include a composite dock, fenced in yard, seamless gutters with leaf filters, and recently replaced garage and front entry doors. Inside, the vibe continues with an electric fireplace with customizable lighting (because ambiance matters). Live-edge floating shelves with integrated lighting adds a designer touch. Double-pane replacement windows, custom drapes, California Closets, luxury vinyl and ceramic tile throughout, laundry closet for added convenience. The kitchen brings the function and the flair with an island, generous storage, new cabinetry, quartz countertops, a natural gas range with hood ventilation, along with a built in microwave, electric oven, and refrigerator/freezer. Culligan water treatment. The roof and HVAC system are approximately 10 years old. Additional features include epoxy garage floor, LRE foundation improvements, and well-fed irrigation. Prewired generator hook-up installed in garage. The boat ramp is located on the west side of lake Pansy. Conveniently Located 20 minutes from Lego Land, 7 minutes from Publix Super Market, 5 minutes to Home Depot, 3 minutes to the nearest boat ramp to access the Winter Haven Chain of Lakes. This is a rare opportunity to own a turnkey lakefront property with endless sunsets, extensive upgrades, and no HOA restrictions.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,140
Sqft
0.47 ac
Lot size
2
Garage
1977
Year built
One
Levels
$350
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.
$4,545 /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
$4,545/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
+35.4%
$/sqft vs NOT IN SUBDIVISION
$350 vs $255
Days on market
188 vs 49 typical
Where $350/sqft sits among the 126 homes for sale in NOT IN SUBDIVISION
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 33881 — neighborhood snapshot
Population
39,189
Median age
43.6
Median income
$53,867
Median home value
$177,400
Avg household
2.61
Households w/ children
3,730
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)
61 of 126
NOT IN SUBDIVISION have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 206% 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 601 LAKE PANSY DRIVE NW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$299,990
1307 LONG STREET · same community
4 bd · 2 ba · 2,146 sqft · $140/sqft · 6 DOM
Sold · Apr ’26$250,000
19750 SE 30TH STREET · same community
3 bd · 2 ba · 1,950 sqft · $128/sqft · 48 DOM
Sold · Mar ’26$1,450,000
3800 GERBER DAIRY ROAD · same community
3 bd · 2 ba · 2,406 sqft · $603/sqft · 14 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 601 LAKE PANSY DRIVE NW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 601 LAKE PANSY DRIVE NW — 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
601 LAKE PANSY DRIVE NW FAQs
What would the monthly payment be for 601 LAKE PANSY DRIVE NW?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,545/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 601 LAKE PANSY DRIVE NW?+
The most recent tax bill on record (2025) was $760. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Winter Haven?+
At $748,900, this home is listed about 163% 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 601 LAKE PANSY DRIVE NW?+
Lake Alfred Polytech Academy (middle), Fred G. Garner Academy (elementary), Winter Haven Senior 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
$748,900 runs 206% above the WINTER HAVEN 33881 median — but at 2,140 sqft it's also 28% larger than the typical Winter Haven listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
188 days on market against a Winter Haven median of 49 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $850,000, now $748,900 — a $101K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Olivia Boggs. MLS #P4937480.
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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