4840 OLD LUCERNE PARK RD, WINTER HAVEN, FL, 33881
Active46 days on marketListed Jun 9, 2026MLS #P4938821
About this home
4840 OLD LUCERNE PARK RD
Lakefront Retreat on Beautiful Lake Lucerne! Situated on 0.84 acres, this updated 3-bedroom, 2-bath home offers stunning views of Lake Lucerne from the second-floor balcony, wraparound deck, screened porch, and spacious backyard. Even better, all three bedrooms feature sliding glass doors overlooking the lake, bringing the beauty of the waterfront indoors. The inviting living room showcases a stone fireplace with cedar wood walls to accent, creating warmth and rustic charm. Numerous updates include fully remodeled bathrooms, refreshed kitchen, new flooring throughout, new interior doors, roof (2019), A/C (2017), tankless hot water heater (2024), and water softener. Whether you're relaxing on the porch, entertaining on the deck, or simply enjoying the peaceful lake views, this property offers the perfect blend of comfort, character, and waterfront living. This home is in a successful vacation rental program and is being offered turnkey and ready to go for the next home owner or an investor interested in continuing the rental opportunity. Don't forget to view the attached 3-D Interactive Tour for a virtual walkthrough of the home.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,927
Sqft
0.84 ac
Lot size
1
Garage
1977
Year built
Two
Levels
$221
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.
$3,031 /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
$3,031/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
+29.8%
$/sqft vs Winter Haven actives
$221 vs $171
Days on market
46 vs 42 typical
Where $221/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 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
$285K → $287K
Winter Haven median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
194 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 73% 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 4840 OLD LUCERNE PARK RD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$283,000
1380 LUCERNE LOOP ROAD NE · same community
3 bd · 1.5 ba · 1,766 sqft · $160/sqft · 142 DOM
Sold · Mar ’26$360,000
5020 OLD LUCERNE PARK ROAD · same community
3 bd · 2 ba · 1,762 sqft · $204/sqft · 41 DOM
Sold · Jul ’25$530,000
1396 LUCERNE LOOP ROAD NE · same community
4 bd · 3 ba · 2,371 sqft · $224/sqft · 388 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 4840 OLD LUCERNE PARK RD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4840 OLD LUCERNE PARK RD — 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
4840 OLD LUCERNE PARK RD FAQs
What would the monthly payment be for 4840 OLD LUCERNE PARK RD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,031/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 4840 OLD LUCERNE PARK RD?+
The most recent tax bill on record (2025) was $2,170. 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 4840 OLD LUCERNE PARK RD?+
The listing reports pets: 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 $425,000, this home is listed about 49% 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 4840 OLD LUCERNE PARK RD?+
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.
Keep looking
Similar homes nearby
Listing courtesy of POLK REAL ESTATE LLC · Cheryl Bossarte. MLS #P4938821.
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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