CENTURY 21 Edge
$149,0002 bd2 ba1,072 sqft$139 /sqft$1,160 /mo all-in ↓

689 LAKE HOWARD DRIVE NW UNIT 213, WINTER HAVEN, FL, 33880

Active6 days on marketListed Aug 8, 2026MLS #L4963853

Priced 48% below the Winter Haven medianCondominiumWELLINGTON PT 01 BLDGS 01 02 & WELLINGTON PT 02 B

About this home

689 LAKE HOWARD DRIVE NW UNIT 213

This is 55+ living at its best! Fully renovated with high-end finishes, a spotless, move-in-ready interior, and a desirable lakeside setting on the world-famous Winter Haven Chain of Lakes. Welcome to 689 Lake Howard Drive, Unit 213, where thoughtful updates, generous living spaces, and an exceptional waterfront community come together at an attractive price point. Located in The Wellington on the shores of Lake Howard, this impressive 2 bedroom, 2 bath condo feels fresh, modern, and remarkably spacious. The expansive living and dining area features beautiful flooring, crown molding, updated lighting and ceiling fans, and plenty of room for comfortable everyday living and entertaining. Sliding glass doors open to a large enclosed Florida room overlooking the beautifully maintained community grounds, providing even more space to relax and enjoy the Florida lifestyle. The remodeled kitchen is a standout, featuring quartz countertops, abundant white soft-close cabinetry, a farmhouse-style sink, herringbone tile backsplash, under-cabinet lighting, and a complete stainless steel LG appliance package including refrigerator, range, microwave, and dishwasher. Both bathrooms have been beautifully remodeled with quartz-topped vanities and impressive custom tile work. Walk-in showers feature frameless glass enclosures, decorative tile accents, niches, and contemporary finishes. An exceptionally large walk-in closet provides outstanding storage, while an interior laundry closet with included washer and dryer and a large private exterior storage room add everyday convenience. The Wellington offers beautifully landscaped grounds, two pool areas including a heated pool for winter use, clubhouse, shuffleboard, community activities, and a private dock on Lake Howard with access to the Winter Haven Chain of Lakes—perfect for fishing and enjoying life on the water. The condo fee includes basic cable and internet, water, garbage pickup, exterior building maintenance, and grounds maintenance. A private covered parking space is also included. Conveniently located near medical facilities, shopping, restaurants, churches, grocery stores, and charming Downtown Winter Haven. Beautifully remodeled, incredibly spacious, and located in a Chain of Lakes waterfront community—this is 55+ living with the updates already done for you!

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,072

Sqft

0 ac

Lot size

1976

Year built

One

Levels

$139

Per sqft

Pool view55+ community

Inside

FlooringLuxury Vinyl · Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Crown Molding · Living Room/Dining Room Combo · Open Floorplan · Split Bedroom · Walk-In Closet(s)
LaundryInside · Laundry Closet · Same Floor As Condo Unit
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewPool
FacesNorth
ParkingAssigned · Covered · Guest
ExteriorBalcony · Sidewalk · Storage

Community & fees

Taxes (2025)$679/yr
PetsNo
CommunityDock · Lake · Public Boat Ramp · Waterfront · Buyer Approval Required · Clubhouse · Deed Restrictions · Pool

Utilities & systems

UtilitiesElectricity Connected · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$1,160 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$877
FHA mortgage insurance (est.)$66
Property tax — 2025 actual bill$57
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $5,215Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $5,215
Interest rate6.00%
Loan term

Estimated payment

$1,160/mo

Principal & interest$877
FHA mortgage insurance (est.)$66
Property taxes (actual bill)$57
Est. insurance$160

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.

List $149K
$101KedgeAI estimate $106,920 · range $105K$111K$155K

vs edgeAI estimate

+39.4%

$/sqft vs Winter Haven actives

$139 vs $170

Days on market

6 vs 49 typical

Where $139/sqft sits among the 400 Winter Haven actives

45
75 · this home
114
102
30
34
$100–125$125–151$151–177$177–202$202–228$228+

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

Map of 689 LAKE HOWARD DRIVE NW UNIT 213

Drive times from this address

Walt Disney World44 min
Universal Orlando54 min
Downtown Tampa56 min
Downtown Orlando60 min
Orlando Int’l Airport (MCO)65 min
Tampa Int’l Airport (TPA)67 min

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

Seller’s marketBalanced5.1 months of inventoryBuyer’s market

$283K$280K

Winter Haven median sold, yr/yr

97.2%

Sale-to-list ratio (12 mo)

211 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 48% below the Winter Haven median. See the full Winter Haven market guide →

Paper trail

This home's history

Aug 8, 2026Listed at $149,000 · 6 days on market since
1976Built · WELLINGTON PT 01 BLDGS 01 02 & WELLINGTON PT 02 B

Reality check

What actually sold near 689 LAKE HOWARD DRIVE NW UNIT 213

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

689 LAKE HOWARD DRIVE NW UNIT 1DSold · Mar ’26

$116,500

689 LAKE HOWARD DRIVE NW UNIT 1D · same community

2 bd · 2 ba · 1,077 sqft · $108/sqft · 6 DOM

852 CINNAMON DRIVESold · Jul ’26

$235,000

852 CINNAMON DRIVE

3 bd · 2 ba · 1,072 sqft · $219/sqft · 3 DOM

606 KINGS LANE SWSold · Dec ’25

$259,000

606 KINGS LANE SW

3 bd · 2 ba · 1,067 sqft · $243/sqft · 7 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.

Krystina Allen

Your agent

Krystina Allen

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 689 LAKE HOWARD DRIVE NW UNIT 213 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 689 LAKE HOWARD DRIVE NW UNIT 213 — 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

689 LAKE HOWARD DRIVE NW UNIT 213 FAQs

What would the monthly payment be for 689 LAKE HOWARD DRIVE NW UNIT 213?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,160/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 689 LAKE HOWARD DRIVE NW UNIT 213?+

The most recent tax bill on record (2025) was $679. 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 689 LAKE HOWARD DRIVE NW UNIT 213?+

The listing reports pets: No. 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 $149,000, this home is listed about 48% below the Winter Haven median of $284,900. The market section on this page shows how the area is trending.

The brief

Three things that matter here

01Under the Winter Haven market on paper

$149,000 is 48% below the Winter Haven median of $284,900, and at $139/sqft it sits under the Winter Haven average of $173.

02Pool views

The pool view is part of what you're buying — views hold value independently of the structure.

03Fresh on the market

Only 6 days on market in a Winter Haven market that averages 49 — if it fits, move quickly.

Listing courtesy of THE STONES REAL ESTATE FIRM · Michael Stone. MLS #L4963853.

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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