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405 Valley CT, Winter Haven, FL, 33884

$195/sqft·Lake Mariam Hills

4 bd2 ba2,463 sqft2 car garageSingle Family
Listed by ROOST REALTY GROUP LLC· Last updated · MLS# L4964608

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

Est. monthly payment
$3,178/mo
Down payment (20%)
$96,000
Property taxes
$400/mo
HOA
$425/yr
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1990
Private pool
In Ground
2 car garage
0.40 acres
Lot size
2,463 sqft
Living area

About this home

Ceiling Fans(s)High CeilingsSplit BedroomThermostatVaulted Ceiling(s)LightingPlaygroundDishwasher

405 Valley CT is a 1990-built home in Lake Mariam Hills, Winter Haven. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,463 square feet of living space. Listed at $480,000 (about $195/sqft), 2 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $425 annually.

From the listing

You must see this stunning 4 bedroom, 2 bathroom, pool home located in the gated community of Lake Miriam Hills. This east Winter Haven home boasts a split floor plan, nearly 2,500 sqft of living space, french doors , a formal dining space, a family room and living room, a wood burning fireplace, an open kitchen with granite counter tops and stainless appliances, high ceilings, wood laminate floors in common areas, carpeted bedrooms, a two car garage, and an inside laundry room. The large master suite includes a huge walk-in closet, a gorgeous master bathroom, a soaking tub, a dual sink vanity, and a walk-in shower. The guest bathroom has pool access and a shower/tub combo. The saltwater pool and patio area features covered seating, plenty of shade, and generous deck space around the large pool. Recent repairs include a new roof in 2023, a new septic drainfield in 2022, a new AC in 2022, and a new hot water heater in 2023. Enjoy relaxing and entertaining on the huge pie-shaped lot with shade trees, mature landscaping, and playground equipment all nuzzled back into a quiet cul-de-sac. The community offers private access and a boat ramp to beautiful Lake Mariam. The home is conveniently located to Lego Land, several shopping centers, grocery stores, restaurants, medical centers, and schools. Don’t miss out. Set up your showing today.

The essentials

Built
1990
Price / sqft
$195
On market
13 days
Annual tax
$4,794
HOA
$425/yr
Flood zone
X · Low risk
Lot
17,206 sqft
Type
Single Family Residence

Location

405 Valley CT
Winter Haven, FL, 33884·33884 - Winter Haven / Cypress Gardens
Type
Single Family Residence
Year Built
1990
Lot
17,206 sqft
Cooling
Central Air
Heating
Central
Parking
-
Pool
In Ground, Salt Water, Screen Enclosure
Days on Market
13
Ceiling Fans(s)
High Ceilings
Split Bedroom
Thermostat
Vaulted Ceiling(s)
Lighting
Playground
Dishwasher
Dryer
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 fileFlood Zone X

Annual Tax (2025)

$4,794

Parcel #

26-28-26-592001-000931

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

Lake Mariam Hills

County

Polk

MLS Area

33884 - Winter Haven / Cypress Gardens

Lot Size

17,206 sqft

HOA
$425/yr
Tom Ovalle
Date
Event
Price
8/29/2026
Listed for sale
Source: Stellar MLS #L4964608
$480,000
$195/sqft
Est. monthly payment$3,178/mo
Principal & interest$2,503
Property taxes$400
Insurance$240
HOA$35
Down payment20% · $96,000
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%. HOA is the fee 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.

Offer Insights

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List price: $480,000
$477,500 – $480,000
99.5% – 100% of listTops out right at the list price
80% of listList price
156 of the last 247 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 13.

Sample: 247 closed home sales in 33884 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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