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Overview

3 bd2 ba1,265 sqft2 car garageSingle Family
TypeSingle Family
HOA$53.5/mo
Built2020
Lot9,422 sqft
Living area1,265 sqft
Price / sqft$249
Garage2 car

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

About this home

Ceiling Fans(s)High CeilingsOpen FloorplanSolid Surface CountersDishwasherElectric Water HeaterMicrowaveRange Hood

195 Black Skimmer Ln is a 2020-built home in Lake Deer, Winter Haven. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,265 square feet of living space. Listed at $315,000 (about $249/sqft), 23 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $53.5 monthly.

From the listing

Welcome to this beautifully maintained 3-bedroom, 2-bathroom home, built in 2020 and located in the gated Lake Deer community. This move-in-ready residence features a bright, open-concept floor plan that seamlessly connects the living room, dining area, and kitchen—ideal for everyday living and entertaining. The kitchen is the heart of the home, offering granite countertops, stainless steel appliances, ample cabinetry, and a spacious center island with additional seating and workspace. Laminate flooring extends throughout the home, providing a clean, modern appearance with no carpet to maintain. The primary suite includes a private bathroom and walk-in closet, while two additional bedrooms are flexibility for guests, a home office, or a personal fitness space. The home also features an attached two-car garage and a covered rear patio overlooking the generously sized backyard—perfect for relaxing, entertaining, or creating your own outdoor retreat. Residents of Lake Deer enjoy access to a community playground and dock for fishing or taking in the peaceful lake views. Additional benefits include low HOA fees, no CDD, and Flood Zone X. Conveniently located near shopping, dining, schools, and major roadways. Schedule your private showing today!

The essentials

Built
2020
Price / sqft
$249
On market
23 days
Annual tax
$3,215
HOA
$53.5/mo
Flood zone
X · Low risk
Lot
9,422 sqft
Type
Single Family Residence

At a glance

Single family
Built 2020
2 car garage
9,422 sqft lot
Lot size
1,265 sqft
Living area

Payment

Est. monthly payment
$2,122/mo
Down payment (20%)
$63,000
Property taxes
$268/mo
HOA
$53.5/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2020
Lot
9,422 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
23
Ceiling Fans(s)
High Ceilings
Open Floorplan
Solid Surface Counters
Dishwasher
Electric Water Heater
Microwave
Range Hood
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$3,215
Parcel #
25-28-25-354615-000660

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 Deer
County
Polk
MLS Area
33880 - Winter Haven/Eloise/JPV/Wahnetta
Lot Size
9,422 sqft
Corner Lot
HOA
$53.5/mo
David M D'Agostino

Price history

Date
Event
Price
9/22/2026
Listed for sale
Source: Stellar MLS #S5158102
$315,000
$249/sqft

Neighborhood

195 Black Skimmer Ln
Winter Haven, FL, 33880 · 33880 - Winter Haven/Eloise/JPV/Wahnetta

Market insights

Offer Insights

Choose an offer strength

List price: $315,000
$312,500 – $315,000
99.5% – 100% of listTops out right at the list price
80% of listList price
121 of the last 204 home closings in 33880 landed at this number or higher (59%). The median one sat 40 days before it went under contract, and this one is on day 23.

Sample: 204 closed home sales in 33880 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,122/mo
Principal & interest$1,643
Property taxes$268
Insurance$158
HOA$54
Down payment20% · $63,000
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

$315,000

$249 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,265 sq ft

Time on market

23 days

Year built

2020

Monthly payment

About $2,122/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,215 annual tax bill, insurance, and the $53.5/mo HOA fee.

HOA fee

$53.5/mo

Managed by David M D'Agostino.

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 byAMY INTERNATIONAL CORPListing agent: Manuel GironaListing data from Stellar MLS, MLS# S5158102.

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