David Ramirez
$684,9994 bd3 ba2,312 sqft$296 /sqft$4,348 /mo all-in ↓

2004 LEISURE DRIVE, WINTER HAVEN, FL, 33881

Active9 days on marketListed Jul 22, 2026MLS #W7887886

WaterfrontSingle Family ResidenceLEISURE SHORES

Come see it

Upcoming open houses

Sat, Aug 1

1:00 PM – 4:00 PM

Beautifully renovated lakefront home on the Chain of Lakes (Lake Hartridge). Information sheets and refreshments will be available. P.S.

Sun, Aug 2

12:00 PM – 3:00 PM

Beautifully renovated lakefront home on the Chain of Lakes (Lake Hartridge). Information sheets and refreshments will be available. P.S.

About this home

2004 LEISURE DRIVE

Experience true Florida waterfront living on beautiful Lake Hartridge, one of the larger lakes on Winter Haven's famous Chain of 24 interconnected lakes. With miles of navigable waterways, you'll enjoy waterfront dining & various live music venues which have docks, as well as fishing, water skiing, kayaking, sailing, and endless exploration without ever leaving the chain. Beautifully renovated 4-bedroom, 3-bath lakefront home, offering approximately 90 feet of shoreline with a private dock, which offers the perfect blend of comfort, convenience, and breathtaking scenery. Begin each day with spectacular sunrise views from the spacious screened lanai overlooking the lake, where you'll regularly enjoy sightings of bald eagles, ospreys, herons, otters, and other native Florida wildlife. Entertain lakeside or spend the afternoon on the water. Lake Hartridge Park and the public boat ramp are conveniently located just down the street. Inside, soaring vaulted ceilings and an open, light-filled floor plan create an inviting atmosphere that complements the waterfront setting. The thoughtfully designed split-bedroom layout includes two Master Suites, each featuring a private bath, walk-in closets, and direct access to the screened lanai. There is also direct access to a bathroom from the patio; perfect after boating, swimming, fishing, gardening, or enjoying a day on the lake. Extensive renovations and recent improvements provide exceptional comfort, efficiency, and peace of mind, including: • Brand-new kitchen appliances • New 22-mil luxury vinyl plank flooring throughout • New RHEEM water heater • New lighting and ceiling fans throughout the home • Additional blown-in attic insulation for significantly improved energy efficiency • 2025 Goodman/Daikin 5-ton HVAC system with a transferable 5-year parts and labor warranty, which is transferable to you. • 2023 Generac 22-kW whole-house generator, recently professionally serviced, tested, and ready to provide uninterrupted power whenever needed • Durable 40-year metal roof with approximately 15+ years of expected service life remaining Additional features include public water, sewer, and natural gas service, a wood-burning fireplace with a natural gas starter for effortless fires, a spacious two-car garage with a recently installed automatic garage door opener, and a lake-fed irrigation system that keeps the lawn lush without costly municipal water. Whether you're looking for a year-round residence, a luxurious waterfront retreat, or a home designed for the boating lifestyle, opportunities like this on the Winter Haven Chain of Lakes are becoming increasingly difficult to find. This property combines modern updates, dependable major systems, and one of Central Florida's waterfront locations into a truly exceptional place to call home.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,312

Sqft

0.28 ac

Lot size

2

Garage

1978

Year built

One

Levels

$296

Per sqft

WaterfrontFireplacePets allowed

Inside

FlooringCeramic Tile · Luxury Vinyl
AppliancesDishwasher · Disposal · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryIn Garage
CoolingCentral Air
HeatingHeat Pump

Outside & construction

RoofMetal
ConstructionBlock · Concrete · Stucco
FoundationSlab
FacesWest
ParkingGarage Door Opener · Garage Faces Side
ExteriorSidewalk

Community & fees

Taxes (2025)$2,816/yr
PetsYes

Utilities & systems

UtilitiesCable Connected · Electricity Available · Natural Gas Available · Sewer Available · Water Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$4,348 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,696
PMI (est., until 20% equity)$257
Property tax — 2025 actual bill$235
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $68,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $68,500
Interest rate6.00%
Loan term

Estimated payment

$4,348/mo

Principal & interest$3,696
PMI (est., until 20% equity)$257
Property taxes (actual bill)$235
Est. insurance$160

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.

List $685K
$353KedgeAI estimate $385,216 · range $368K$425K$712K

vs edgeAI estimate

+77.8%

$/sqft vs Winter Haven actives

$296 vs $171

Days on market

9 vs 42 typical

Where $296/sqft sits among the 400 Winter Haven actives

65
108
151
46
17
13 · this home
$102–134$134–167$167–199$199–232$232–264$264+

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

Map of 2004 LEISURE DRIVE

Drive times from this address

Walt Disney World39 min
Universal Orlando49 min
Downtown Orlando55 min
Downtown Tampa57 min
Orlando Int’l Airport (MCO)60 min
Tampa Int’l Airport (TPA)68 min

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

MiddleLake Alfred Polytech Academy★★★★
ElementaryFred G. Garner Academy★★★★
HighWinter Haven Senior High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Winter Haven market

Seller’s marketBalanced6.5 months of inventoryBuyer’s market

$285K$287K

Winter Haven median sold, yr/yr

97.3%

Sale-to-list ratio (12 mo)

189 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 180% above the WINTER HAVEN 33881 median. See the full Winter Haven market guide →

Paper trail

This home's history

Jul 22, 2026Listed at $684,999 · 9 days on market since
1978Built · LEISURE SHORES

Reality check

What actually sold near 2004 LEISURE DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2004 LEISURE DRIVESold · Jan ’26

$370,000

2004 LEISURE DRIVE · same community

4 bd · 3 ba · 2,312 sqft · $160/sqft · 5 DOM

2013 MARILYN AVENUESold · Apr ’26

$315,000

2013 MARILYN AVENUE · same community

3 bd · 2.5 ba · 1,942 sqft · $162/sqft · 29 DOM

2021 OLIVER PLACESold · Aug ’25

$267,900

2021 OLIVER PLACE · same community

3 bd · 2 ba · 1,627 sqft · $165/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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 2004 LEISURE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2004 LEISURE DRIVE — 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.

Goes straight to David’s phone and CRM.

Straight answers

2004 LEISURE DRIVE FAQs

What would the monthly payment be for 2004 LEISURE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,348/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 2004 LEISURE DRIVE?+

The most recent tax bill on record (2025) was $2,816. 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 2004 LEISURE DRIVE?+

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 $684,999, this home is listed about 140% 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 2004 LEISURE DRIVE?+

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.

Listing courtesy of LISTWITHFREEDOM.COM · Ralph Harvey. MLS #W7887886.

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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