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About this home
551 Lake Smart Blvd is a 2020-built home in Lake Smart Pointe, Winter Haven. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,936 square feet of living space. Listed at $319,900 (about $165/sqft), 198 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $600 annually.
Discover the opportunity at 551 Lake Smart Blvd. in Winter Haven! WHAT IF $5,000 COULD HELP YOU GET INTO YOUR NEXT HOME? And if you qualify with the lenders requirements, you could ASSUME THE CURRENT MORTGAGE AT 2.5 INTEREST RATE. This well-maintained 4-bedroom, 2-bath home offers 1,936 sq. ft. of comfortable living space and was built in 2020, giving you the benefits of a newer home without the wait for new construction. Even better, the roof was replaced in 2025, providing an important upgrade and added peace of mind. The open-concept design creates a spacious flow between the kitchen, dining and living areas, making everyday living and entertaining easy. The kitchen features cabinetry, generous counter space, a large center island and stainless-steel appliances. The primary suite provides a comfortable retreat, while three additional bedrooms give flexibility for family, guests, a home office or other needs. NEW PRICE: $319,900! The seller is offering a $5,000 contribution toward the buyer's allowable closing costs, subject to the terms of the purchase contract, buyer's loan program, lender approval and applicable limits. If you've been renting and waiting for the right opportunity to become a homeowner, this may be the one you've been waiting for. Don't just compare the price—compare the value: 2020 construction, 2025 roof, 4 bedrooms, 1,936 sq. ft., $5,000 seller contribution AND IF YOU QUALIFY WITH ALL LENDER'S REQUIREMENTS, YOU COULD ASSUME THE MORTGAGE AT 2.5 INTEREST RATE. Schedule your private showing today.
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The essentials
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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%. 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
$319,900
$165 per sq ft
Beds and baths
4 beds, 2 baths
Size
1,936 sq ft
Time on market
198 days
Year built
2020
Monthly payment
About $2,229/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,211 annual tax bill, insurance, and the $600/yr HOA fee.
HOA fee
$600/yr
Managed by NORMAN LANE.
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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