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1016 S Lake Mariam Dr, Winter Haven, FL, 33884

$206/sqft·Waters Lake Mariam

5 bd4 ba3,694 sqft3 car garageSingle Family
Listed by KELLER WILLIAMS REALTY SMART 1· Last updated · MLS# P4939728

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Est. monthly payment
$4,734/mo
Down payment (20%)
$152,000
Property taxes
$365/mo
HOA
$300/yr
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 2003
Waterfront
Lake Front
Private pool
Gunite
3 car garage
Driveway
0.38 acres
Lot size

About this home

Built-in FeaturesCathedral Ceiling(s)Ceiling Fans(s)Crown MoldingKitchen/Family Room ComboPrimary Bedroom Main FloorWalk-in Closet(s)Window Treatments

1016 S Lake Mariam Dr is a 2003-built home in Waters Lake Mariam, Winter Haven. Inside you'll find 5 bedrooms, 4 bathrooms, and 3,694 square feet of living space. Listed at $760,000 (about $206/sqft), 1 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $300 annually.

From the listing

LAKEFRONT POOL HOME WITH PRIVATE ATTACHED IN-LAW SUITE IN CENTRAL FLORIDA! Welcome home to 1016 S Lake Mariam Dr in SE Winter Haven. This exceptional custom built, one-owner home has it all! Boasting nearly 3,700 sq ft of living area, this home offers flexibility in this thoughtfully designed property featuring a fully functional in-law suite. Complete with a private entrance, comfortable living area, kitchenette, private bedroom, and full bathroom, this space ensures independence and privacy for extended family members or visitors. Whether you need a seamless multi-generational living arrangement, a quiet work-from-home office, or an option for supplemental rental income, this bonus square footage delivers unmatched utility without compromising the comfort of the main home. From the moment you arrive, the covered front entry porch creates a warm first impression. Upon entering the foyer, the home opens up into the great room with gas fireplace, dining room, kitchen, and breakfast nook. Downstairs features 10 foot ceilings and crown molding throughout. The heart of the home flows seamlessly to the covered lanai through sliding glass doors where you can unwind while taking in tranquil views of the lake and sparkling pool, creating the perfect backdrop for your morning coffee or evening sunsets. The fully functional kitchen offers generous cabinetry and counter space for preparing meals and gathering with loved ones, a breakfast bar, newer stainless-steel appliances, and a large walk-in pantry. The master suite retreat, offering gorgeous lake views, is also downstairs for privacy and includes a walk-in closet, dual sinks, linen closet, and walk-in shower with dual shower heads. Upstairs you will enter into a massive loft, providing the perfect setting for a media room, game room, or an open office space. The second floor also features, 3 generous sized bedrooms, a full bathroom, and a bonus room. Spend your free time enjoying the Florida lifestyle floating in your pool, barbequing with friends and family, launching a kayak, or simply enjoying the sunrise and sunset views at this beautiful lakefront home. You will save big monthly keeping your yard pristine with the irrigation well. The massive 3-car garage provides space for all of your vehicles and toys. The well-established community of Waters Of Lake Mariam has only 22 homes and a low HOA of $300 annually. Perfectly positioned just minutes from major highways, shopping, restaurants, and everyday conveniences, this home offers the ideal balance of peaceful lakeside living and easy access to everything Central Florida has to offer. Opportunities like this do not last—make it yours.

The essentials

Built
2003
Price / sqft
$206
On market
12 days
Annual tax
$4,377
HOA
$300/yr
Flood zone
X · Low risk
Lot
16,631 sqft
Type
Single Family Residence

Location

1016 S Lake Mariam Dr
Winter Haven, FL, 33884·33884 - Winter Haven / Cypress Gardens
Type
Single Family Residence
Year Built
2003
Lot
16,631 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener, Oversized
Pool
Gunite, In Ground, Screen Enclosure
Waterfront
Lake Front
Days on Market
12
Built-in Features
Cathedral Ceiling(s)
Ceiling Fans(s)
Crown Molding
Kitchen/Family Room Combo
Primary Bedroom Main Floor
Walk-in Closet(s)
Window Treatments
Lighting
Private Mailbox
Deed Restrictions
Dishwasher
Electric Water Heater
Microwave
Range
Homestead exemption on fileFlood Zone X

Annual Tax (2025)

$4,377

Parcel #

26-28-27-593521-000080

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

Waters Lake Mariam

County

Polk

MLS Area

33884 - Winter Haven / Cypress Gardens

Lot Size

16,631 sqft

Landscaped
HOA
$300/yr
Mike Starcher
Date
Event
Price
8/30/2026
Listed for sale
Source: Stellar MLS #P4939728
$760,000
$206/sqft
Est. monthly payment$4,733/mo
Principal & interest$3,964
Property taxes$365
Insurance$380
HOA$25
Down payment20% · $152,000
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

Choose an offer strength

List price: $760,000
$755,000 – $760,000
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 12.

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

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