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Overview

2 bd2 ba1,103 sqftCondominium
TypeCondominium
HOA$414/mo
Built1988
Lot635 sqft
Living area1,103 sqft
Price / sqft$159

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

About this home

Cathedral Ceiling(s)Ceiling Fans(s)Vaulted Ceiling(s)PoolDishwasherMicrowaveRangeRefrigerator

1905 Garden Lake Dr is a 1988-built home in Winterset 02 A Condo Ph 01, Winter Haven. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,103 square feet of living space. Listed at $175,000 (about $159/sqft), 12 days on market. Flood zone X* - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $414 monthly.

From the listing

The property you are inquiring about is located in Winter Haven, FL, in the Winterset area the 27 Corridor of Polk County. This is a lovely 2-bedroom, 2-bath waterfront view with loads of natural light and a balance of 1,103 sq.ft. of living upstairs and downstairs plus a balcony. This has custom features washer/dryer and other appliances. Spacious rooms, gathering area that has flexibility. This community is amenity-rich with gated entry, pool, tennis court, clubhouse, and access to Chain of Lakes. The area is in a boom of jobs and easy access to Hwy 60, 27, I-4. See it today. Call, text, email.

The essentials

Built
1988
Price / sqft
$159
On market
12 days
Annual tax
$2,072
HOA
$414/mo
Flood zone
X* · Low risk
Lot
635 sqft
Type
Condominium

At a glance

Condo
Built 1988
Community pool
Shared amenity
Assigned parking
1,103 sqft
Living area

Payment

Est. monthly payment
$1,587/mo
Down payment (20%)
$35,000
Property taxes
$173/mo
HOA
$414/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Condominium
Year Built
1988
Lot
635 sqft
Cooling
Central Air
Heating
Central
Parking
Assigned
Days on Market
12
Cathedral Ceiling(s)
Ceiling Fans(s)
Vaulted Ceiling(s)
Pool
Dishwasher
Microwave
Range
Refrigerator
Flood Zone X*
Annual Tax (2026)
$2,072
Parcel #
26-29-12-687502-019050

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
Winterset 02 A Condo Ph 01
County
Polk
MLS Area
33884 - Winter Haven / Cypress Gardens
Lot Size
635 sqft
HOA
$414/mo
Stambaugh

Price history

Date
Event
Price
9/29/2026
Listed for sale
Source: Stellar MLS #P4939990
$175,000
$159/sqft

Neighborhood

1905 Garden Lake Dr
Winter Haven, FL, 33884 · 33884 - Winter Haven / Cypress Gardens

Market insights

Offer Insights

Choose an offer strength

List price: $175,000
$175,000
99.5% – 100% of listTops out right at the list price
80% of listList price
15 of the last 29 condo closings in 33884 landed at this number or higher (52%). The median one sat 42 days before it went under contract, and this one is on day 12.

Sample: 29 closed condo sales in 33884 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$1,587/mo
Principal & interest$913
Property taxes$173
Insurance$88
HOA$414
Down payment20% · $35,000
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.

Quick answers.

Price

$175,000

$159 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,103 sq ft

Time on market

12 days

Year built

1988

Monthly payment

About $1,587/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,072 annual tax bill, insurance, and the $414/mo HOA fee.

HOA fee

$414/mo

Managed by Stambaugh.

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?

Have another question?

Brokered byBROKERS REALTY OF CENTRAL FLORListing agent: Renee ButlerListing data from Stellar MLS, MLS# P4939990.

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