551 Lake Smart Blvd, photo 1
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Overview

4 bd2 ba1,936 sqft2 car garageSingle Family
TypeSingle Family
HOA$600/yr
Built2020
Lot5,998 sqft
Living area1,936 sqft
Price / sqft$165
Garage2 car

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

About this home

Ceiling Fans(s)Crown MoldingEat-in KitchenLiving Room/Dining Room ComboOpen FloorplanSplit BedroomThermostatVaulted Ceiling(s)

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.

From the listing

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.

The essentials

Built
2020
Price / sqft
$165
On market
198 days
Annual tax
$4,211
HOA
$600/yr
Flood zone
X · Low risk
Lot
5,998 sqft
Type
Single Family Residence

At a glance

Single family
Built 2020
2 car garage
5,998 sqft lot
Lot size
1,936 sqft
Living area

Payment

Est. monthly payment
$2,229/mo
Down payment (20%)
$63,980
Property taxes
$351/mo
HOA
$600/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2020
Lot
5,998 sqft
Cooling
Central Air
Heating
Electric, Exhaust Fan
Parking
-
Days on Market
198
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
Living Room/Dining Room Combo
Open Floorplan
Split Bedroom
Thermostat
Vaulted Ceiling(s)
Walk-in Closet(s)
Sidewalk
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,211
Parcel #
26-28-09-530006-001320

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 Smart Pointe
County
Polk
MLS Area
33881 - Winter Haven / Florence Villa
Lot Size
5,998 sqft
HOA
$600/yr
NORMAN LANE

Price history

Date
Event
Price
10/5/2026
Price change
Source: Stellar MLS #S5146731
$319,900-4.5%
$165/sqft
-
Price change
Source: Stellar MLS #S5146731
$334,900-6.9%
$173/sqft
3/27/2026
Listed for sale
Source: Stellar MLS #S5146731
$359,900
$186/sqft

Neighborhood

551 Lake Smart Blvd
Winter Haven, FL, 33881 · 33881 - Winter Haven / Florence Villa

Market insights

Offer Insights

Choose an offer strength

List price: $319,900
$317,500 – $319,900
99.5% – 100% of listTops out right at the list price
80% of listList price
164 of the last 267 home closings in 33881 landed at this number or higher (61%). The median one sat 41 days before it went under contract, and this one is on day 198 after a $40,000 cut.

Sample: 267 closed home sales in 33881 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,229/mo
Principal & interest$1,668
Property taxes$351
Insurance$160
HOA$50
Down payment20% · $63,980
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 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.

Offer

What should I offer?

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Brokered byLA ROSA REALTY CW PROPERTIES LListing agent: Kenneth GonzalezListing data from Stellar MLS, MLS# S5146731.

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