700 Mirror Ter NW #511, photo 1
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Overview

2 bd2 ba1,190 sqftCondominium
TypeCondominium
HOA$667/mo
Built1970
Lot146 sqft
Living area1,190 sqft
Price / sqft$126

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About this home

ElevatorLiving Room/Dining Room ComboOpen FloorplanWalk-in Closet(s)LightingBuyer Approval RequiredPoolDishwasher

700 Mirror Ter NW #511 is a 1970-built home in Spring Lake Towers, Winter Haven. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,190 square feet of living space. Listed at $149,900 (about $126/sqft), 102 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $667 monthly.

From the listing

Enjoy maintenance-free lakefront living in this 2-bedroom, 2-bathroom condominium located in the highly sought-after Spring Lake Towers, a premier 55+ active adult community in the heart of Winter Haven. Updated in 2020, this inviting residence offers BREATHTAKING VIEWS OF SPRING LAKE, part of the scenic Spring Lake Meander, and a bright, open living space that feels like an indoor lanai, where walls of windows create the perfect setting to relax while overlooking the tranquil water. Both the primary bedroom and the second bedroom have direct access to this enclosed lakefront space, creating a seamless connection to the serene waterfront and providing the perfect spot to enjoy your morning coffee, unwind with a book, or simply take in the picturesque views of Spring Lake throughout the day. The updated kitchen is designed for both style and function, featuring soft-close cabinetry, porcelain countertops, recessed lighting, a decorative tile backsplash, a convection oven, and a convenient center island cart. Luxury vinyl flooring flows throughout the main living areas, while the bedrooms offer the comfort of carpet. The spacious primary suite features a walk-in closet and an ensuite bath, while the secondary bathroom has been tastefully updated with a beautifully tiled glass-enclosed shower. The all-inclusive condo fee provides exceptional value, covering cable TV, high-speed internet, water, sewer, trash removal, exterior building maintenance, roof maintenance, building insurance, reserve funds, on-site management, groundskeeping, and assigned covered parking. Residents enjoy an impressive selection of community amenities, including a waterfront in-ground concrete pool, fitness center, recreation room with a full kitchen, library, game area, shuffleboard courts, laundry facilities, private boat docks, and a year-round social calendar. Take advantage of the community's private dock, where boat slips are available on a first-come, first-served basis for a minimal monthly fee, offering convenient access to Spring Lake Meander for boating, fishing, or simply enjoying the peaceful waterfront setting. Ideally located just minutes from historic downtown Winter Haven, the renowned Chain of Lakes, shopping, dining, medical facilities, golf courses, and LEGOLAND® Florida Resort, this waterfront condo offers the perfect blend of low-maintenance living, spectacular views, and an active Florida lifestyle.

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The essentials

Built
1970
Price / sqft
$126
On market
102 days
Annual tax
$991
HOA
$667/mo
Flood zone
X · Low risk
Lot
146 sqft
Type
Condominium

At a glance

Condo
7 stories · 1970
Waterfront
Lake Front
Community pool
Shared amenity
Assigned parking
1,190 sqft
Living area

Payment

Est. monthly payment
$1,606/mo
Down payment (20%)
$29,980
Property taxes
$83/mo
HOA
$667/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Condominium
Year Built
1970
Lot
146 sqft
Cooling
Central Air
Heating
Central
Parking
Assigned, Covered
Waterfront
Lake Front, Lake Privileges
Days on Market
102
Elevator
Living Room/Dining Room Combo
Open Floorplan
Walk-in Closet(s)
Lighting
Buyer Approval Required
Pool
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$991
Parcel #
26-28-20-570421-005110

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
Spring Lake Towers
County
Polk
MLS Area
33881 - Winter Haven / Florence Villa
Lot Size
146 sqft
HOA
$667/mo
Carrie Howland

Price history

Date
Event
Price
7/3/2026
Listed for sale
Source: Stellar MLS #L4963333
$149,900
$126/sqft

Neighborhood

700 Mirror Ter NW #511
Winter Haven, FL, 33881 · 33881 - Winter Haven / Florence Villa

Market insights

Offer Insights

Choose an offer strength

List price: $149,900
$149,000 – $149,900
99.5% – 100% of listTops out right at the list price
80% of listList price
12 of the last 21 condo closings in 33881 landed at this number or higher (57%). The median one sat 28 days before it went under contract, and this one is on day 102.

Sample: 21 closed condo sales in 33881 over the last 8 months, Stellar MLS. A small sample in a thin market. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$1,606/mo
Principal & interest$782
Property taxes$83
Insurance$75
HOA$667
Down payment20% · $29,980
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

$149,900

$126 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,190 sq ft

Time on market

102 days

Year built

1970

Monthly payment

About $1,606/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $991 annual tax bill, insurance, and the $667/mo HOA fee.

HOA fee

$667/mo

Managed by Carrie Howland.

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?

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Brokered byKELLER WILLIAMS REALTY SMART 1Listing agent: David SmallListing data from Stellar MLS, MLS# L4963333.

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