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Overview

4 bd2 ba2,400 sqftSingle Family
TypeSingle Family
HOANone listed
Built1973
Lot19,576 sqft
Living area2,400 sqft
Price / sqft$202

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About this home

Ceiling Fans(s)Eat-in KitchenPrimary Bedroom Main FloorSolid Wood CabinetsStone CountersThermostatPrivate MailboxSprinkler Metered

10 W Lake Hamilton Cir is a 1973-built home in Pollard Shores, Winter Haven. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,400 square feet of living space. Listed at $485,000 (about $202/sqft), 6 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Welcome to 10 West Lake Hamilton Circle, a beautifully maintained four-bedroom, two-bathroom waterfront home situated on a spacious half-acre property in Winter Haven. This inviting residence combines comfortable living spaces, thoughtful updates, mature landscaping, and an exceptional canalfront lifestyle with direct access to Lake Hamilton. Inside, the home features carpet and tile flooring throughout, updated HVAC, and new kitchen appliances. The spacious floor plan offers plenty of room for both everyday living and entertaining, including a dining room directly off the kitchen, a dedicated TV/activity room, and a centralized fireplace that creates a warm and welcoming focal point. The private primary suite offers a relaxing retreat with its own en-suite bathroom, while three additional bedrooms provide flexibility for guests, an office, or hobbies. Step outside and the property truly comes to life. The well-landscaped half-acre lot is surrounded by beautiful mature oak trees, creating shade, privacy, and a classic Florida setting. The large, deep swimming pool is complemented by a spacious lanai, making it an ideal place to relax, entertain, or enjoy sunny Florida afternoons. Beyond the pool, you'll find an incredible waterfront setup with a private dock, canal frontage, and a dedicated fireplace sitting area overlooking the water. And for boating enthusiasts, the location is especially appealing. Moor your boat right at your private back dock and enjoy direct boating access to Lake Hamilton. From there, it's approximately a three-minute boat ride to Port 27 and Floridinos, where patrons can tie their boats up at the restaurants' docks and arrive by water for dinner, drinks, or an evening out. With its combination of lake access, private dock, pool, mature landscaping, spacious lot, updated systems and appliances, and versatile interior living spaces, 10 West Lake Hamilton Circle offers the best of relaxed Florida living with the convenience of being able to enjoy Lake Hamilton right from your backyard.

The essentials

Built
1973
Price / sqft
$202
On market
6 days
Annual tax
$4,882
Flood zone
X · Low risk
Lot
19,576 sqft
Type
Single Family Residence

At a glance

Single family
Built 1973
Waterfront
Canal - Freshwater
Private pool
Deck
0.45 acres
Lot size
2,400 sqft
Living area

Payment

Est. monthly payment
$3,178/mo
Down payment (20%)
$97,000
Property taxes
$407/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1973
Lot
19,576 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Pool
Deck, In Ground, Lighting, Screen Enclosure
Waterfront
Canal - Freshwater
Days on Market
6
Ceiling Fans(s)
Eat-in Kitchen
Primary Bedroom Main Floor
Solid Wood Cabinets
Stone Counters
Thermostat
Private Mailbox
Sprinkler Metered
Street Lights
Convection Oven
Cooktop
Dishwasher
Disposal
Dryer
Electric Water Heater
Freezer
Microwave
Range
Refrigerator
Washer
Water Filtration System
Water Softener
Flood Zone X
Annual Tax (2025)
$4,882
Parcel #
26-28-13-532200-000133

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
Pollard Shores
County
Polk
MLS Area
33881 - Winter Haven / Florence Villa
Lot Size
19,576 sqft
Corner LotCul-De-SacIn CountyLandscapedNear Golf CourseOversized LotPaved

Price history

Date
Event
Price
10/4/2026
Listed for sale
Source: Stellar MLS #TB8554887
$485,000
$202/sqft

Neighborhood

10 W Lake Hamilton Cir
Winter Haven, FL, 33881 · 33881 - Winter Haven / Florence Villa

Market insights

Offer Insights

Choose an offer strength

List price: $485,000
$482,500 – $485,000
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 42 days before it went under contract, and this one is on day 6.

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
$3,179/mo
Principal & interest$2,529
Property taxes$407
Insurance$243
Down payment20% · $97,000
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%. 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

$485,000

$202 per sq ft

Beds and baths

4 beds, 2 baths

Size

2,400 sq ft

Time on market

6 days

Year built

1973

Monthly payment

About $3,178/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,882 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered byJACK KELLER INCListing agent: John Keller, IIIListing data from Stellar MLS, MLS# TB8554887.

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