265 LAKE THOMAS DRIVE, WINTER HAVEN, FL, 33880
Active162 days on marketListed Feb 24, 2026MLS #L4959685
About this home
265 LAKE THOMAS DRIVE
Welcome to this beautifully renovated lakefront home located on Thomas Lake in Winter Haven, Florida! This charming two-story home combines modern upgrades with warm character, breathtaking water views, and lake access. Step inside to tall vaulted ceilings creating an open, spacious layout filled with natural light and prospective memories. The home features all-new flooring throughout and a completely updated kitchen showcasing stainless steel appliances, quartz countertops, brand-new cabinetry, and closet pantry, providing plenty of storage and room to cook or entertain. In the living room, you will find a cozy fireplace with a raised hearth and wood accents, adding a welcoming focal point to the downstairs. This home also features beautifully updated bathrooms and walk-in closets, as well as a brand new electric water heater and newer A/C units as of 2022 for added efficiency and comfort during those Florida summer days. Outside, you’ll find a newer roof as of 2022, a freshly painted exterior, an attached 1-car garage with a driveway, and plenty of space to enjoy the outdoors in the back yard or a day on the lake. Relax or entertain on the large rear patio, or spend a cozy night in the enclosed, two-story back porch, each offering gorgeous lake views. The third bedroom is located within the home’s loft and is equipped with a walk in closet and direct access to the upper back porch. This move-in-ready lakefront home blends those new enhancements, comfort, scenic surroundings, and the charm of living in Winter Haven, FL, making it an opportunity you won’t want to miss!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,517
Sqft
0.14 ac
Lot size
1
Garage
1985
Year built
Two
Levels
$198
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,156 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,156/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−0.7%
$/sqft vs Winter Haven actives
$198 vs $169
Days on market
162 vs 47 typical
Where $198/sqft sits among the 400 Winter Haven actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Winter Haven
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
The numbers that matter
The Winter Haven market
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
193 of 400
Winter Haven actives have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 5% above the Winter Haven median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 265 LAKE THOMAS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$219,000
3316 TIMBERLINE ROAD · same community
2 bd · 2 ba · 1,194 sqft · $183/sqft · 9 DOM
Sold · Dec ’25$199,900
3218 TIMBERLINE ROAD · same community
2 bd · 1 ba · 904 sqft · $221/sqft · 44 DOM
Sold · Apr ’26$124,500
4204 CEDARWOOD STREET
2 bd · 2 ba · 1,496 sqft · $83/sqft · 9 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Krystina Allen
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 265 LAKE THOMAS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 265 LAKE THOMAS DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Krystina's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
265 LAKE THOMAS DRIVE FAQs
What would the monthly payment be for 265 LAKE THOMAS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,156/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 265 LAKE THOMAS DRIVE?+
The most recent tax bill on record (2025) was $1,169. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Winter Haven?+
At $299,950, this home is listed about 5% above the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
02Time on market is leverage
162 days on market against a Winter Haven median of 47 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $359,950, now $299,950 — a $60K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PORCHLIGHT HOMES LLC · Angie Reynolds. MLS #L4959685.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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