3027 RICHMOND DRIVE, WINTER HAVEN, FL, 33884
Active106 days on marketListed Apr 24, 2026MLS #L4961338
About this home
3027 RICHMOND DRIVE
One or more photo(s) has been virtually staged. Price Improvement – Motivated Seller! Welcome to Winterset, one of Winter Haven's most desirable gated lakefront communities! This beautifully designed 3-bedroom, 2-bath home, built in 2006, offers 1,994 square feet of comfortable living space. Winterset is not a 55+ community, and there is no separate master association fee. A covered, screened front porch welcomes you into a spacious great room that opens to an impressive 550-square-foot screened rear porch with beautiful porcelain tile—perfect for relaxing, entertaining, and enjoying Florida's indoor-outdoor lifestyle. The home features no carpet, with durable laminate flooring installed throughout in 2020. Situated on a rare double lot, this property offers added space, privacy, and flexibility that is hard to find in Winterset. While the additional lot is not buildable, it provides plenty of room to add a pool, expand your outdoor living space, or create a larger circular driveway—giving you options that most homes in the community simply don't have. The split-bedroom floor plan offers privacy, with two secondary bedrooms sharing a hall bath complete with a tub and linen closet. The inside laundry room includes the washer and dryer. Recent improvements include a new water heater (2026) and HVAC (2021). Additional features include a tile roof, brick paver driveway, 2-car garage, and garage screen door for added ventilation and flexible use. Winterset residents enjoy exceptional amenities, including a lakefront clubhouse overlooking Lake Winterset, heated pool and spa, tennis and pickleball courts, shuffleboard, and a private boat ramp with access to Lake Winterset and the renowned Winter Haven Chain of Lakes. HOA fees include grounds maintenance, gated security, and access to all community amenities. Conveniently located near LEGOLAND® Florida, shopping, dining, medical facilities, and with easy access to both Tampa and Orlando, this home offers the perfect combination of comfort, convenience, and Florida living.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,994
Sqft
0.23 ac
Lot size
2
Garage
2006
Year built
One
Levels
$140
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 and the real association fee — not generic estimates.
$2,481 /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
$2,481/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
−13.4%
$/sqft vs Winter Haven actives
$140 vs $170
Days on market
106 vs 49 typical
Where $140/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 →
WINTER HAVEN 33884 — neighborhood snapshot
Population
36,395
Median age
45.3
Median income
$70,516
Median home value
$269,400
Avg household
2.58
Households w/ children
3,777
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Haven market
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
195 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 2% below the WINTER HAVEN 33884 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 3027 RICHMOND DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$320,000
3136 LANGDON LANE
3 bd · 2 ba · 1,999 sqft · $160/sqft · 269 DOM
Sold · Jun ’26$330,770
4526 RAPALLO AVENUE
4 bd · 2 ba · 2,005 sqft · $165/sqft · 0 DOM
Sold · Dec ’25$354,335
3178 LAUREL OAK LANE
4 bd · 2 ba · 2,005 sqft · $177/sqft · 0 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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 3027 RICHMOND DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3027 RICHMOND DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3027 RICHMOND DRIVE FAQs
What would the monthly payment be for 3027 RICHMOND DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,481/mo — principal and interest, the actual property-tax bill, the $236/mo association fee 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.
How much are the HOA fees at 3027 RICHMOND DRIVE?+
The association fee works out to $236 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3027 RICHMOND DRIVE?+
The most recent tax bill on record (2025) was $3,832. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3027 RICHMOND DRIVE?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Winter Haven?+
At $279,000, this home is listed about 2% below the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3027 RICHMOND DRIVE?+
Elbert Elementary School (elementary), Winter Haven Senior High School (high), Denison Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
02Time on market is leverage
106 days on market against a Winter Haven median of 49 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $295,000, now $279,000 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REMAX EXPERTS · Laura Slocumb. MLS #L4961338.
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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