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Overview

4 bd2 ba1,840 sqft2 car garageSingle Family
TypeSingle Family
HOA$199/yr
Built2020
Lot8,276 sqft
Living area1,840 sqft
Price / sqft$141
Garage2 car

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

About this home

Ceiling Fans(s)Living Room/Dining Room ComboPlaygroundPoolDishwasherMicrowaveRangeWasher

428 McKenna Dr is a 2020-built home in Lucerne Park Reserve, Winter Haven. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,840 square feet of living space. Listed at $260,000 (about $141/sqft), 101 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $199 annually.

From the listing

Beautifully maintained 4-bedroom, 2-bath home offering modern finishes, thoughtful upgrades, and a desirable split floor plan. The primary suite is privately situated toward the rear of the home, while the secondary bedrooms are positioned separately, providing added privacy and functionality. From the moment you arrive, you'll appreciate the enhanced curb appeal featuring a paver driveway and attractive exterior accents. Inside, ceramic tile flooring flows throughout the main living areas, complemented by stylish accent walls that add warmth and character. The open-concept kitchen is designed for both everyday living and entertaining, featuring granite countertops, a spacious center island with sink, and a custom decorative accent finish surrounding the island, creating a unique focal point. The kitchen seamlessly overlooks the expansive living and dining areas, making it ideal for hosting family and friends. The guest bathroom offers the convenience of a dual-sink vanity, while the extended, fully fenced backyard provides plenty of space for outdoor entertaining, pets, or play. The home is also equipped with assignable solar panels, offering added energy efficiency. Additional details regarding the solar panel are available upon request. This move-in-ready home combines comfort, style, and functionality, making it an excellent opportunity for its next owner.

The essentials

Built
2020
Price / sqft
$141
On market
101 days
Annual tax
$6,411
HOA
$199/yr
Flood zone
X · Low risk
Lot
8,276 sqft
Type
Single Family Residence

At a glance

Single family
Built 2020
Community pool
Shared amenity
2 car garage
8,276 sqft lot
Lot size
1,840 sqft
Living area

Payment

Est. monthly payment
$2,037/mo
Down payment (20%)
$52,000
Property taxes
$534/mo
HOA
$199/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2020
Lot
8,276 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
101
Ceiling Fans(s)
Living Room/Dining Room Combo
Playground
Pool
Dishwasher
Microwave
Range
Washer
Elementary
Lake Alfred Elem
Middle
Daniel Jenkins Academy of Technology Middle
High
Haines City Senior High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$6,411
Parcel #
26-28-02-522103-001990

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
Lucerne Park Reserve
County
Polk
MLS Area
33881 - Winter Haven / Florence Villa
Lot Size
8,276 sqft
HOA
$199/yr
Lucerne Park Reserve

Price history

Date
Event
Price
9/17/2026
Price change
Source: Stellar MLS #S5152912
$260,000-3.7%
$141/sqft
-
Price change
Source: Stellar MLS #S5152912
$270,000-1.8%
$147/sqft
7/2/2026
Listed for sale
Source: Stellar MLS #S5152912
$275,000
$149/sqft

Neighborhood

428 McKenna Dr
Winter Haven, FL, 33881 · 33881 - Winter Haven / Florence Villa

Market insights

Offer Insights

Choose an offer strength

List price: $260,000
$257,500 – $260,000
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 101 after a $15,000 cut.

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

Talk through an offer with our team

Calculator

Est. monthly payment
$2,037/mo
Principal & interest$1,356
Property taxes$534
Insurance$130
HOA$17
Down payment20% · $52,000
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 includes any condo dues 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

$260,000

$141 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,840 sq ft

Time on market

101 days

Year built

2020

Monthly payment

About $2,037/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,411 annual tax bill, insurance, and the $199/yr HOA fee.

HOA fee

$199/yr

Managed by Lucerne Park Reserve.

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 byKELLER WILLIAMS ADVANTAGE IIIListing agent: EJ JimenezListing data from Stellar MLS, MLS# S5152912.

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