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128 N Lake Florence Dr, Winter Haven, FL, 33884

$185/sqft·Eloise Woods

3 bd2 ba2,167 sqft2 car garageSingle Family
Listed by KELLER WILLIAMS REALTY· Last updated · MLS# L4963717

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Est. monthly payment
$2,439/mo
Down payment (20%)
$80,000
Property taxes
$153/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1960
2 car garage
Driveway
0.38 acres
Lot size
2,167 sqft
Living area

About this home

Ceiling Fans(s)High CeilingsPrimary Bedroom Main FloorSolid Surface CountersSolid Wood CabinetsSplit BedroomThermostatVaulted Ceiling(s)

128 N Lake Florence Dr is a 1960-built home in Eloise Woods, Winter Haven. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,167 square feet of living space. Listed at $399,999 (about $185/sqft), 8 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Lake Views | Paid-Off Solar System | Mother-in-Law Suite | NO Flood Zone | Exceptional Upgrades | New Roof | Welcome to your own private retreat in the heart of beautiful Winter Haven, Florida! Perfectly positioned on an elevated home-site overlooking the peaceful waters of Lake Florence, this meticulously maintained 3-bedroom, 2-bathroom residence offers 2,167 square feet of thoughtfully designed living space, complete with an Attached Mother-In-Law Suite—perfect for multi-generational living, visiting guests, a home office, or added flexibility. From the moment you arrive, you’ll appreciate the quality, care, and countless upgrades that make this home truly move-in ready. Built with solid block construction and situated high and dry in NO FLOOD ZONE, this property delivers both comfort and peace of mind. Inside, the warm and inviting floor plan features rich pecan wood cabinetry, modern appliances, and a charming wood-burning fireplace that creates the perfect centerpiece for relaxing evenings or entertaining family and friends. The spacious 2-car garage provides plenty of room for vehicles, storage, and weekend projects. Designed with efficiency and long-term value in mind, this home boasts a remarkable list of improvements, including a 2020 roof, fully paid-off 2020 solar panel system, and 50-year transferable warranties on both the roof and solar system. With energy costs continuing to rise, you’ll enjoy the financial benefits of owning your solar system outright while dramatically reducing your monthly electric bills. Additional premium upgrades include a 2023 4-ton HVAC system, 2023 electrical panel, a 2023 mini-split system dedicated to the mother-in-law suite, Custom installed New South double-pane energy-efficient windows and front entry door backed by a lifetime warranty, and fresh exterior paint completed in 2026. In addition, an on-site utility shed, fully permitted with hurricane clips, power connected for additional storage to meet and exceed all of your storage needs! Wake each morning to breathtaking sunrises over Lake Florence, then unwind in the evening with spectacular Florida sunsets from your elevated vantage point. It’s the perfect setting to enjoy everything that makes Central Florida living so special. Ideally located just minutes from LEGOLAND Florida Resort, Winter Haven’s renowned Chain of Lakes, top-rated schools, shopping, dining, golf, and everyday conveniences, this home offers an exceptional combination of location, lifestyle, and lasting value. Homes with this level of craftsmanship, energy efficiency, flexible living space, and picturesque lake views are a rare find. Don’t miss your opportunity to own this incredible Winter Haven property—schedule your private showing today and experience Florida living at its finest.

The essentials

Built
1960
Price / sqft
$185
On market
52 days
Annual tax
$1,841
Flood zone
X · Low risk
Lot
16,505 sqft
Type
Single Family Residence

Location

128 N Lake Florence Dr
Winter Haven, FL, 33884·33884 - Winter Haven / Cypress Gardens
Type
Single Family Residence
Year Built
1960
Lot
16,505 sqft
Cooling
Central Air, Mini-Split Unit(s), Attic Fan
Heating
Electric, Solar
Parking
Driveway
Days on Market
52
Ceiling Fans(s)
High Ceilings
Primary Bedroom Main Floor
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Thermostat
Vaulted Ceiling(s)
Built-in Oven
Convection Oven
Cooktop
Dishwasher
Disposal
Dryer
Electric Water Heater
Freezer
Ice Maker
Microwave
Refrigerator
Washer
Homestead exemption on fileFlood Zone X

Annual Tax (2025)

$1,841

Parcel #

26-28-34-658500-000662

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Eloise Woods

County

Polk

MLS Area

33884 - Winter Haven / Cypress Gardens

Lot Size

16,505 sqft

LandscapedOversized LotPrivatePaved
Date
Event
Price
7/23/2026
Listed for sale
Source: Stellar MLS #L4963717
$399,999
$185/sqft
Est. monthly payment$2,440/mo
Principal & interest$2,086
Property taxes$153
Insurance$200
Down payment20% · $80,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

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List price: $399,999
$397,500 – $399,999
99.5% – 100% of listTops out right at the list price
80% of listList price
163 of the last 255 home closings in 33884 landed at this number or higher (64%). The median one sat 39 days before it went under contract, and this one is on day 52.

Sample: 255 closed home sales in 33884 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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