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Overview

4 bd3 ba3,016 sqft2 car garageSingle Family
TypeSingle Family
HOA$92.25/mo
Built2021
Lot11,182 sqft
Living area3,016 sqft
Price / sqft$93
Garage2 car

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

About this home

Ceiling Fans(s)DishwasherMicrowaveRangeRange HoodRefrigerator

709 Sarner Pass Way is a 2021-built home in Lake Lucerne Ph 5, Winter Haven. Inside you'll find 4 bedrooms, 3 bathrooms, and 3,016 square feet of living space. Listed at $279,900 (about $93/sqft), 95 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $92.25 monthly.

From the listing

Welcome to this spacious 4-bedroom, 2.5-bath home offering 3,016 square feet of comfortable living space designed for everyday living and entertaining. The first floor features a welcoming living room, formal dining room, a well-appointed kitchen, a versatile bonus room that can be used as a home office, playroom, or flex space, a convenient half bath, and an attached two-car garage. Upstairs, you'll find a central foyer leading to four generously sized bedrooms, two full bathrooms, and a conveniently located laundry room, making daily routines more efficient. With a functional layout, abundant living space, and room to fit a variety of lifestyles, this home is ready for its next owner. Schedule your private showing today and see everything this home has to offer!

The essentials

Built
2021
Price / sqft
$93
On market
95 days
Annual tax
$8,651
HOA
$92.25/mo
Flood zone
X · Low risk
Lot
11,182 sqft
Type
Single Family Residence

At a glance

Single family
Built 2021
2 car garage
0.26 acres
Lot size
3,016 sqft
Living area

Payment

Est. monthly payment
$2,413/mo
Down payment (20%)
$55,980
Property taxes
$721/mo
HOA
$92.25/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2021
Lot
11,182 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
95
Ceiling Fans(s)
Dishwasher
Microwave
Range
Range Hood
Refrigerator
Elementary
Elbert Elem
Middle
Denison Middle
High
Winter Haven Senior

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

Flood Zone X
Annual Tax (2025)
$8,651
Parcel #
26-28-02-522104-000790

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 Lucerne Ph 5
County
Polk
MLS Area
33881 - Winter Haven / Florence Villa
Lot Size
11,182 sqft
HOA
$92.25/mo
Lake Lucerne Property Owners Association, Inc.

Price history

Date
Event
Price
9/18/2026
Price change
Source: Stellar MLS #S5153498
$279,900-5.0%
$93/sqft
-
Price change
Source: Stellar MLS #S5153498
$294,500-5.0%
$98/sqft
7/10/2026
Listed for sale
Source: Stellar MLS #S5153498
$310,000
$103/sqft

Neighborhood

709 Sarner Pass Way
Winter Haven, FL, 33881 · 33881 - Winter Haven / Florence Villa

Market insights

Offer Insights

Choose an offer strength

List price: $279,900
$277,500 – $279,900
99.5% – 100% of listTops out right at the list price
80% of listList price
165 of the last 268 home closings in 33881 landed at this number or higher (62%). The median one sat 41 days before it went under contract, and this one is on day 95 after a $30,100 cut.

Sample: 268 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
$2,413/mo
Principal & interest$1,460
Property taxes$721
Insurance$140
HOA$92
Down payment20% · $55,980
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 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

$279,900

$93 per sq ft

Beds and baths

4 beds, 3 baths

Size

3,016 sq ft

Time on market

95 days

Year built

2021

Monthly payment

About $2,413/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $8,651 annual tax bill, insurance, and the $92.25/mo HOA fee.

HOA fee

$92.25/mo

Managed by Lake Lucerne Property Owners Association, Inc..

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 byREALTYCITY INCListing agent: Jesse CarriedoListing data from Stellar MLS, MLS# S5153498.

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