208 LAKE HOWARD DRIVE NW UNIT 104, WINTER HAVEN, FL, 33880
Active173 days on marketListed Feb 16, 2026MLS #P4937862
About this home
208 LAKE HOWARD DRIVE NW UNIT 104
Beautifully Renovated Waterfront Condo in the Heart of Downtown Winter Haven Experience lakeside living in this fully remodeled end-unit condo located in the heart of Downtown Winter Haven, Florida. Every detail has been thoughtfully updated, creating a modern, move-in-ready home that combines style, comfort, and convenience. Enjoy breathtaking sunsets over Lake Howard from the expansive private waterfront patio—perfect for relaxing with your morning coffee or unwinding at the end of the day while taking in the spectacular views. This highly desirable end unit offers added privacy, abundant natural light, and includes two covered parking spaces conveniently located directly beneath the residence for easy access. The building exterior and grounds are exceptionally well maintained and have undergone significant improvements over the past 18 months, including complete building concrete remediation and exterior painting, roof resealing, resurfacing of all exterior walkways, parking lot resealing, and extensive landscaping enhancements. These major capital improvements provide both lasting value and peace of mind. Just steps from downtown's restaurants, shopping, entertainment, parks, and the Chain of Lakes, this exceptional waterfront property offers the very best of Florida living. A rare opportunity—this stunning waterfront condo is truly a must-see!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,152
Sqft
0.01 ac
Lot size
1976
Year built
One
Levels
$152
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.
$1,439 /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
$1,439/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
+70.6%
$/sqft vs Winter Haven actives
$152 vs $170
Days on market
173 vs 49 typical
Where $152/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 Lake Howard
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 Howard — neighborhood snapshot
Population
744
Median age
45
Median income
$21,953
Median home value
$71,366
Avg household
2
Households w/ children
30%
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)
193 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 23% below the WINTER HAVEN 33880 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 208 LAKE HOWARD DRIVE NW UNIT 104
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$256,000
1507 FOXRIDGE RUN SW
3 bd · 2 ba · 1,148 sqft · $223/sqft · 8 DOM
Sold · Jun ’26$130,000
104 MAYFAIR PLACE SW
2 bd · 2 ba · 1,140 sqft · $114/sqft · 155 DOM
Sold · May ’26$185,000
212 SE H SE
3 bd · 2 ba · 1,136 sqft · $163/sqft · 19 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 208 LAKE HOWARD DRIVE NW UNIT 104 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 208 LAKE HOWARD DRIVE NW UNIT 104 — 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
208 LAKE HOWARD DRIVE NW UNIT 104 FAQs
What would the monthly payment be for 208 LAKE HOWARD DRIVE NW UNIT 104?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,439/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 208 LAKE HOWARD DRIVE NW UNIT 104?+
The most recent tax bill on record (2024) was $2,059. 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 208 LAKE HOWARD DRIVE NW UNIT 104?+
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 $174,900, this home is listed about 39% below the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 208 LAKE HOWARD DRIVE NW UNIT 104?+
Denison Middle School (middle), Winter Haven Senior High School (high), Lake Shipp Elementary School (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the WINTER HAVEN 33880 market on paper
$174,900 is 23% below the WINTER HAVEN 33880 median of $227,450, and at $152/sqft it sits under the Winter Haven average of $174.
02Time on market is leverage
173 days on market against a Winter Haven median of 49 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $179,000, now $174,900 — a $4K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLLANY PROPERTIES · Christopher Collany. MLS #P4937862.
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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