679 LAKE DEXTER CIRCLE, WINTER HAVEN, FL, 33884
Active3 days on marketListed Jul 21, 2026MLS #P4939365
Come see it
Upcoming open house
Sun, Jul 26
12:00 PM – 2:00 PM
About this home
679 LAKE DEXTER CIRCLE
PRESENTING A CHARMING LAKEFRONT RETREAT ON LAKE DEXTER! This beautifully maintained 2-bedroom, 2-bath residence with a 1-car garage offers an exceptional blend of comfort, thoughtful upgrades, and waterfront living. The spacious kitchen flows seamlessly into the open living area, creating an inviting setting for everyday living and entertaining, complete with a modern LED fireplace. Travertine flooring extends throughout most of the home, while the guest bedroom features warm bamboo flooring. Plantation shutters and newer PGT hurricane-impact windows provide added beauty, energy efficiency, and peace of mind. Additional improvements include a three-year-old energy-efficient metal roof, radiant barrier insulation in the attic, an Amarr triple-steel insulated garage door, and low-maintenance composite decking. The primary bedroom offers two custom built-in closets and a comfortable private retreat. Step outside to enjoy the patio, composite deck, private dock, and two boat slips on beautiful Lake Dexter. Whether boating, fishing, kayaking, or simply relaxing while taking in the tranquil lake views, this property provides the perfect opportunity to experience the Florida waterfront lifestyle.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,186
Sqft
0.1 ac
Lot size
1
Garage
1990
Year built
One
Levels
$284
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.
$2,591 /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
$2,591/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
+27.9%
Days on market
3 vs 42 typical
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 33884 — neighborhood snapshot
Population
36,395
Median age
45.3
Median income
$70,516
Median home value
$269,400
Avg household
2.58
Households w/ children
3,777
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)
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% above the WINTER HAVEN 33884 median. See the full Winter Haven market guide →
Paper trail
This home's history
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 679 LAKE DEXTER CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 679 LAKE DEXTER CIRCLE — 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
679 LAKE DEXTER CIRCLE FAQs
What would the monthly payment be for 679 LAKE DEXTER CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,591/mo — principal and interest, the actual property-tax bill, the $41/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 679 LAKE DEXTER CIRCLE?+
The association fee works out to $41 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 679 LAKE DEXTER CIRCLE?+
The most recent tax bill on record (2025) was $3,088. 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 679 LAKE DEXTER CIRCLE?+
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 $337,000, this home is listed about 18% 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 679 LAKE DEXTER CIRCLE?+
Elbert Elementary School (elementary), Winter Haven Senior High School (high), Denison Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$337,000 runs 18% above the WINTER HAVEN 33884 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 3 days on market in a Winter Haven market that averages 42 — if it fits, move quickly.
Listing courtesy of COLDWELL BANKER REALTY · Erin Floyd. MLS #P4939365.
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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