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Overview

4 bd3 ba3,648 sqft3 car garageSingle Family
TypeSingle Family
HOA$2,250/yr
Built2002
Lot16,100 sqft
Living area3,648 sqft
Price / sqft$208
Garage3 car

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

About this home

Cathedral Ceiling(s)Ceiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Wood Cabinets

9469 Waterford Oaks Dr is a 2002-built home in Waterford Oaks, Winter Haven. Inside you'll find 4 bedrooms, 3 bathrooms, and 3,648 square feet of living space. Listed at $759,900 (about $208/sqft), 52 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $2,250 annually.

From the listing

Welcome to 9469 Waterford Oaks Drive, a beautifully maintained and spacious custom built home offering an exceptional combination of comfort, privacy, upgrades, and Florida living in the highly desirable, gated community of Waterford Oaks! A pavered, circular driveway provides an impressive approach to the home with plenty of space for vehicles and guests. Inside, the home features soaring ceilings, elegant archways, crown molding, custom built-ins, a beautiful fireplace, and generous living spaces throughout. The grand primary suite is a true private retreat, featuring two walk-in closets and an expansive primary bath with dual vanity areas, extensive cabinetry, and a large walk-in shower. A dedicated home office with custom built-in cabinetry and bookshelves provides an ideal work-from-home space. Upstairs offers even more flexibility with a large second living room/loft, spacious bedroom, and full bathroom—perfect for guests, family, or a private secondary living area. Outside, enjoy a private screened pool and hot tub/spa with a new spa heater, surrounded by an expansive pool deck with plenty of room for multiple outdoor seating and dining areas. The covered lanai features a high-end built-in outdoor grilling system with a direct gas connection, creating an exceptional space for entertaining year-round. Recent improvements include a new roof, new exterior paint, new hot tub/spa heater, full app-controlled pool automation system, Tesla charger installed in the garage, and multiple filtered-water systems throughout the home. A community boat ramp and dock on Lake Winterset on the Winter Haven Chain of Lakes is just a short distance away. With its spacious floor plan, grand primary suite, private upstairs living area, home office, fireplace, pool and spa, expansive outdoor entertaining space, and extensive recent upgrades, 9469 Waterford Oaks Drive is move-in ready and designed to enjoy the Florida lifestyle.

The essentials

Built
2002
Price / sqft
$208
On market
52 days
Annual tax
$8,173
HOA
$2,250/yr
Flood zone
X · Low risk
Lot
16,100 sqft
Type
Single Family Residence

At a glance

Single family
Built 2002
Private pool
Heated
3 car garage
Circular Driveway
0.37 acres
Lot size
3,648 sqft
Living area

Payment

Est. monthly payment
$5,212/mo
Down payment (20%)
$151,980
Property taxes
$681/mo
HOA
$2,250/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2002
Lot
16,100 sqft
Cooling
Central Air
Heating
Electric, Gas
Parking
Circular Driveway, Oversized
Pool
Gunite, Heated, In Ground
Days on Market
52
Cathedral Ceiling(s)
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Wood Cabinets
Walk-in Closet(s)
Deed Restrictions
Gated Community - Guard
Dishwasher
Disposal
Gas Water Heater
Range
Range Hood
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$8,173
Parcel #
26-29-12-687518-000110

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
Waterford Oaks
County
Polk
MLS Area
33884 - Winter Haven / Cypress Gardens
Lot Size
16,100 sqft
HOA
$2,250/yr
Wateford Oaks

Price history

Date
Event
Price
10/6/2026
Price change
Source: Stellar MLS #TB8540975
$759,900-3.8%
$208/sqft
-
Price change
Source: Stellar MLS #TB8540975
$789,900-3.7%
$217/sqft
8/20/2026
Listed for sale
Source: Stellar MLS #TB8540975
$819,900
$225/sqft

Neighborhood

9469 Waterford Oaks Dr
Winter Haven, FL, 33884 · 33884 - Winter Haven / Cypress Gardens

Market insights

Offer Insights

Choose an offer strength

List price: $759,900
$755,000 – $759,900
99.5% – 100% of listTops out right at the list price
80% of listList price
220 of the last 349 home closings in 33884 landed at this number or higher (63%). The median one sat 38 days before it went under contract, and this one is on day 52 after a $60,000 cut.

Sample: 349 closed home sales in 33884 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$5,212/mo
Principal & interest$3,963
Property taxes$681
Insurance$380
HOA$188
Down payment20% · $151,980
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

$759,900

$208 per sq ft

Beds and baths

4 beds, 3 baths

Size

3,648 sq ft

Time on market

52 days

Year built

2002

Monthly payment

About $5,212/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $8,173 annual tax bill, insurance, and the $2,250/yr HOA fee.

HOA fee

$2,250/yr

Managed by Wateford Oaks.

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 byKELLER WILLIAMS ST PETE REALTYListing agent: Zach ZehnderListing data from Stellar MLS, MLS# TB8540975.

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