815 Lake Ned Rd, photo 1
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Overview

4 bd3 ba3,155 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1981
Lot105,380 sqft
Living area3,155 sqft
Price / sqft$206
Garage2 car

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

About this home

Ceiling Fans(s)Eat-in KitchenOpen FloorplanSolid Wood CabinetsWalk-in Closet(s)CooktopDishwasherDisposal

815 Lake Ned Rd is a 1981-built home in None, Winter Haven. Inside you'll find 4 bedrooms, 3 bathrooms, and 3,155 square feet of living space. Listed at $649,900 (about $206/sqft), 108 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Enjoy the space and flexibility of this beautifully maintained property situated on 2.42 acres, offering a rare combination of privacy and convenience just minutes from shopping, dining, and everyday amenities in Winter Haven. With no HOA, no deed restrictions, and no CDD fees, this property provides exceptional versatility and is zoned for horses, creating opportunities for a variety of lifestyle and recreational uses. The home offers 3,155 square feet of living space, featuring a welcoming living room with a brick fireplace, an expansive 23' x 19' family room, and a flexible floor plan designed to accommodate today's needs. The formal dining room, highlighted by a beautiful bay window, can easily serve as a home office, hobby space, or additional living area. Car enthusiasts, hobbyists, and those needing extra storage will appreciate the impressive garage facilities, including a three-bay 57' x 31' detached garage with workshop and one bay is a drive-through, along with a spacious two-car attached garage. There is ample room for recreational vehicles, boats, equipment, and additional parking. Numerous updates provide added value and peace of mind, including * Roof replaced in 2021 * Exterior painted in 2024 * New garage door in 2024 * New refrigerator in 2025 * Microwave replaced in 2019 * Two water heaters (2019 and 2025) * Two HVAC systems, including one new unit installed in 2025 and the 2nd unit is 2010 * Brand-new mini-split system added to the family room as a 3rd unit. Offering a unique blend of acreage, functionality, and convenient access to downtown Winter Haven—approximately a 10-minute drive—this exceptional property is ready for its next owner. Schedule your private showing today and discover all the possibilities this remarkable home has.

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The essentials

Built
1981
Price / sqft
$206
On market
108 days
Annual tax
$3,704
Flood zone
X · Low risk
Lot
105,380 sqft
Type
Single Family Residence

At a glance

Single family
Built 1981
2 car garage
Boat
2.42 acres
Lot size
3,155 sqft
Living area

Payment

Est. monthly payment
$4,023/mo
Down payment (20%)
$129,980
Property taxes
$309/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1981
Lot
105,380 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Boat, Driveway, Garage Door Opener, Golf Cart Parking, Guest, Open, Oversized, Parking Pad, RV Access/Parking, Workshop in Garage
Days on Market
108
Ceiling Fans(s)
Eat-in Kitchen
Open Floorplan
Solid Wood Cabinets
Walk-in Closet(s)
Cooktop
Dishwasher
Disposal
Dryer
Electric Water Heater
Refrigerator
Washer
Elementary
Garden Grove 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)
$3,704
Parcel #
26-28-36-000000-021030

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
None
County
Polk
MLS Area
33884 - Winter Haven / Cypress Gardens
Lot Size
105,380 sqft
In CountyLevelPavedZoned for Horses

Price history

Date
Event
Price
9/15/2026
Price change
Source: Stellar MLS #L4963085
$649,900-4.4%
$206/sqft
6/24/2026
Listed for sale
Source: Stellar MLS #L4963085
$679,900
$215/sqft

Neighborhood

815 Lake Ned Rd
Winter Haven, FL, 33884 · 33884 - Winter Haven / Cypress Gardens

Market insights

Offer Insights

Choose an offer strength

List price: $649,900
$645,000 – $649,900
99.5% – 100% of listTops out right at the list price
80% of listList price
219 of the last 347 home closings in 33884 landed at this number or higher (63%). The median one sat 38 days before it went under contract, and this one is on day 108 after a $30,000 cut.

Sample: 347 closed home sales in 33884 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$4,023/mo
Principal & interest$3,389
Property taxes$309
Insurance$325
Down payment20% · $129,980
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%. 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

$649,900

$206 per sq ft

Beds and baths

4 beds, 3 baths

Size

3,155 sq ft

Time on market

108 days

Year built

1981

Monthly payment

About $4,023/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,704 annual tax bill, insurance.

Flood zone

Zone X

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

Offer

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Brokered byREMAX EXPERTSListing agent: Barry MacchioneListing data from Stellar MLS, MLS# L4963085.

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