
6704 WINTERSET GARDENS ROAD, WINTER HAVEN, FL, 33884
Active16 days on marketListed Jul 20, 2026MLS #S5153946
About this home
6704 WINTERSET GARDENS ROAD
Virtually Staged. Rarely does a home this unique come to market! Situated on a spacious .30-acre lot directly across the street from beautiful Lake Winterset, this fully renovated 3-bedroom, 2-bath mid-century modern pool home offers incredible character, modern updates, and NO mandatory HOA or CDD. An optional neighborhood HOA of just $100 per year provides access to the community boat ramp, connecting you to the renowned Winter Haven Chain of 22 Lakes, one of Central Florida's premier destinations for boating, fishing, and watersports. Unlike nearly any other Florida home, this property features an impressive 300+ square foot basement, a rare find that offers endless possibilities as a wine cellar, hobby room, workshop, fitness area, or additional storage. The home's distinctive architectural design is complemented by spectacular views of Lake Winterset from the living and dining rooms, where sliding glass doors open to a charming wraparound front porch—the perfect place to enjoy your morning coffee while taking in the peaceful lake scenery. Upstairs, a spacious bonus room provides flexibility as a potential fourth bedroom, media room, home office, or second living area and includes a private balcony overlooking the front of the property and the lake. The beautifully updated kitchen is designed for both everyday living and entertaining with quartz countertops, a center island, pantry, recessed lighting, tile backsplash, reverse osmosis system, garbage disposal, a window overlooking the screened pool, and a premium 2022 Samsung Bespoke appliance suite. The home's thoughtful split layout places all three spacious bedrooms down a private hallway away from the main living spaces. Wood-look tile flooring flows throughout the main living areas, while luxury vinyl plank flooring extends through the bedrooms, bathrooms, and upstairs bonus room. The spacious primary suite features dual vanities and a beautifully remodeled walk-in shower. Additional conveniences include an indoor laundry closet with the washer and dryer included, and a two-car garage. Step outside to your oversized screened, chlorinated pool complete with a diving board and removable safety fence, creating the perfect backyard retreat for entertaining family and friends year-round. Major improvements provide added peace of mind, including a new roof in 2025, a new pool pump and well pump in 2025, new A/C ductwork and attic insulation in 2025, windows replaced in 2019, A/C replaced in 2019, water heater replaced in 2019, and new appliances installed in 2022. Ideally located just a short drive from Disney, Universal, LEGOLAND, and other Central Florida attractions, this one-of-a-kind home combines timeless mid-century modern architecture, extensive modern updates, a rare basement, beautiful lake views, access to the Winter Haven Chain of Lakes, and a lifestyle that is truly hard to find. Don't miss this rare opportunity to own one of the area's most distinctive homes overlooking beautiful Lake Winterset.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,418
Sqft
0.3 ac
Lot size
2
Garage
1965
Year built
Two
Levels
$186
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.
$3,455 /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
$3,455/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
−14.4%
$/sqft vs Winter Haven actives
$186 vs $170
Days on market
16 vs 48 typical
Where $186/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 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
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
191 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 58% 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 6704 WINTERSET GARDENS ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$530,000
6710 WINTERSET GARDENS ROAD · same community
4 bd · 3 ba · 2,268 sqft · $234/sqft · 15 DOM
Sold · Mar ’26$356,500
6742 WINTERSET GARDENS ROAD · same community
2 bd · 2 ba · 2,615 sqft · $136/sqft · 20 DOM
Sold · Dec ’25$699,900
6707 WINTERSET GARDENS ROAD · same community
3 bd · 2.5 ba · 2,002 sqft · $350/sqft · 31 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 6704 WINTERSET GARDENS ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6704 WINTERSET GARDENS ROAD — 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
6704 WINTERSET GARDENS ROAD FAQs
What would the monthly payment be for 6704 WINTERSET GARDENS ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,455/mo — principal and interest, the actual property-tax bill, the $8/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 6704 WINTERSET GARDENS ROAD?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6704 WINTERSET GARDENS ROAD?+
The most recent tax bill on record (2025) was $5,337. 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 6704 WINTERSET GARDENS ROAD?+
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 $449,000, this home is listed about 58% 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 6704 WINTERSET GARDENS ROAD?+
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
$449,000 runs 58% above the WINTER HAVEN 33884 median — but at 2,418 sqft it's also 45% larger than the typical Winter Haven listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $482,500, now $449,000 — a $34K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WEICHERT REALTORS HALLMARK PRO · Rachel Santos. MLS #S5153946.
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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