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About this home
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.
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
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Details
Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
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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.
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