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Overview

3 bd2 ba2,319 sqft2 car garageSingle Family
TypeSingle Family
HOA$925/qtr
Built2001
Lot11,038 sqft
Living area2,319 sqft
Price / sqft$172
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Built-in FeaturesCeiling Fans(s)Crown MoldingEat-in KitchenHigh CeilingsOpen FloorplanSolid Surface CountersSplit Bedroom

106 Jardin Ln is a 2001-built home in Gardens Interlochen, Winter Haven. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,319 square feet of living space. Listed at $399,900 (about $172/sqft), 277 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $925 quarterly.

From the listing

Located in the desirable Gardens of Interlochen, this beautifully renovated and impeccably maintained 3-bedroom, 2-bath residence at 106 Jardin Lane offers thoughtful upgrades, timeless finishes, and a functional open layout designed for both everyday comfort and effortless entertaining. At the heart of the home is a stunning renovated kitchen featuring granite countertops, LG black stainless steel appliances including an induction range, a composite sink highlighted by a striking gold-tone faucet, an eat-in dinette, and a spacious closet pantry. Wood flooring flows throughout the main living areas and bedrooms, complemented by elegant crown molding, plantation shutters, and designer light fixtures that elevate each space. The well-designed floor plan includes a welcoming great room, a dedicated dining room, a split-bedroom layout for added privacy, a built-in bar ideal for entertaining, a laundry closet, screened lanai, and a meticulously maintained side-entry two-car garage. French doors open from the great room to the screened lanai, creating a seamless indoor-outdoor connection and an inviting space to enjoy morning coffee or relax with a good book. The primary suite serves as a true retreat, featuring a tray ceiling, an oversized walk-in closet with custom shelving and drawers, a large linen closet, and a beautifully renovated en-suite bath. The spa-inspired bathroom offers a generous walk-in shower with a bench, handrails, and handheld shower wand, dual vanities with granite countertops and a dedicated makeup area, along with new mirrors, faucets, lighting, and toilet. Both guest bedrooms feature wood flooring, ceiling fans, and closets with overhead storage. The updated guest bath includes a glass enclosed tub, linen storage, a granite topped vanity and pocket-door access to the third bedroom, making it an ideal secondary primary suite or private guest space. The interior laundry closet is equipped with a newer full size Speed Queen washer and dryer, as well as new cabinetry and a hanging rack. The side-entry two-car garage mirrors the care found throughout the home, featuring carpeted flooring, custom built-in cabinetry with countertop workspace, and convenient pull-down attic stairs—perfect for organized storage or hobbies. Set on a generous 0.25-acre lot, the property features an irrigation system with a timer and is shaded by beautiful, mature oak trees that create a peaceful and inviting setting. Lawn care, cable, internet and exterior house painting (every 10 years), are all included in the quarterly HOA fee, providing a low-maintenance lifestyle while the 2019 roof provides added peace of mind. Ideally located just minutes from shopping, dining, and medical facilities, and centrally positioned between Tampa and Orlando, this move-in-ready home offers style, comfort, abundant storage, and an exceptional location in the heart of Winter Haven.

The essentials

Built
2001
Price / sqft
$172
On market
277 days
Annual tax
$5,361
HOA
$925/qtr
Flood zone
X · Low risk
Lot
11,038 sqft
Type
Single Family Residence

At a glance

Single family
Built 2001
2 car garage
Driveway
0.25 acres
Lot size
2,319 sqft
Living area

Payment

Est. monthly payment
$3,041/mo
Down payment (20%)
$79,980
Property taxes
$447/mo
HOA
$925/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2001
Lot
11,038 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener
Days on Market
277
Built-in Features
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
High Ceilings
Open Floorplan
Solid Surface Counters
Split Bedroom
Tray Ceiling(s)
Walk-in Closet(s)
Window Treatments
Deed Restrictions
Gated Community - No Guard
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Elementary
Elbert Elem
Middle
Denison Middle
High
Winter Haven Senior

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$5,361
Parcel #
26-28-34-662423-000210

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
Gardens Interlochen
County
Polk
MLS Area
33884 - Winter Haven / Cypress Gardens
Lot Size
11,038 sqft
City LimitsLandscapedLevelPaved
HOA
$925/qtr
Hugh Waychoff

Price history

Date
Event
Price
9/11/2026
Price change
Source: Stellar MLS #L4958336
$399,900-2.4%
$172/sqft
-
Price change
Source: Stellar MLS #L4958336
$409,900-10.9%
$177/sqft
1/12/2026
Listed for sale
Source: Stellar MLS #L4958336
$459,900
$198/sqft

Neighborhood

106 Jardin Ln
Winter Haven, FL, 33884 · 33884 - Winter Haven / Cypress Gardens

Market insights

Offer Insights

Choose an offer strength

List price: $399,900
$397,500 – $399,900
99.5% – 100% of listTops out right at the list price
80% of listList price
224 of the last 357 home closings in 33884 landed at this number or higher (63%). The median one sat 39 days before it went under contract, and this one is on day 277 after a $60,000 cut.

Sample: 357 closed home sales in 33884 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,040/mo
Principal & interest$2,086
Property taxes$447
Insurance$200
HOA$308
Down payment20% · $79,980
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%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$399,900

$172 per sq ft

Beds and baths

3 beds, 2 baths

Size

2,319 sq ft

Time on market

277 days

Year built

2001

Monthly payment

About $3,041/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,361 annual tax bill, insurance, and the $925/qtr HOA fee.

HOA fee

$925/qtr

Managed by Hugh Waychoff.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byTHE STONES REAL ESTATE FIRMListing agent: Deanna StoneListing data from Stellar MLS, MLS# L4958336.

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