318 HAMILTON SHORES DRIVE NE, WINTER HAVEN, FL, 33881
Active8 days on marketListed Aug 27, 2026MLS #L4964555
Come see it
Upcoming open house
Sat, Sep 5
11:00 AM – 2:00 PM
About this home
318 HAMILTON SHORES DRIVE NE
Welcome to Winter Haven living, where comfort, thoughtful updates, and an exceptional outdoor setting come together in a home designed to be enjoyed inside and out. Step inside to an impressive oversized great room filled with natural light and finished in a fresh, neutral color palette. Updated tile and soft newer carpeting complement the formal living and dining spaces, creating a warm and inviting interior with plenty of room to gather, entertain, or simply relax. The kitchen features brand-new stainless steel appliances, along with a newer dishwasher, garbage disposal, and kitchen sink. Additional improvements throughout the home include a newer roof and updated tile in both the primary and guest bathrooms, adding to the home's move-in-ready appeal. Outside is where this property truly shines. Situated on a spacious oversized lot, the home offers a fully fenced, private backyard surrounded by mature landscaping, creating your own peaceful Florida retreat. The heated swimming pool is ready for sunny afternoons, evening swims, and weekends spent entertaining family and friends. A newer energy-efficient pool pump adds another valuable update, while the generous patio and pool area extend the home's living space outdoors. Set within a quiet, established neighborhood, the property also enjoys beautiful lake views and peaceful streets ideal for morning walks, bike rides, jogging, or an evening stroll with the dog. Publix, shopping, dining, medical offices, and everyday conveniences are just minutes away. And when you're ready for a day of Central Florida adventure, Walt Disney World is approximately 26 miles away, offering easy access to world-famous attractions while still allowing you to come home to the relaxed pace of Winter Haven. With its private heated pool, oversized lot, fenced backyard, mature landscaping, lake views, brand-new stainless steel appliances, and numerous recent updates, this home delivers the Florida lifestyle you've been looking for. Schedule your private showing and come see it for yourself.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,806
Sqft
0.38 ac
Lot size
2
Garage
1996
Year built
One
Levels
$196
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.
$4,318 /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
$4,318/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
+3.1%
$/sqft vs Winter Haven actives
$196 vs $169
Days on market
8 vs 48 typical
Where $196/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 33881 — neighborhood snapshot
Population
39,189
Median age
43.6
Median income
$53,867
Median home value
$177,400
Avg household
2.61
Households w/ children
3,730
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)
215 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 124% above the WINTER HAVEN 33881 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 318 HAMILTON SHORES DRIVE NE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$612,500
710 HERITAGE DRIVE NE · same community
4 bd · 2 ba · 2,736 sqft · $224/sqft · 215 DOM
Sold · Jun ’26$662,000
329 HAMILTON SHORES DRIVE NE · same community
5 bd · 4 ba · 3,161 sqft · $209/sqft · 54 DOM
Sold · Feb ’26$459,000
707 HERITAGE DRIVE NE · same community
3 bd · 2 ba · 2,450 sqft · $187/sqft · 20 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 318 HAMILTON SHORES DRIVE NE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 318 HAMILTON SHORES DRIVE NE — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
318 HAMILTON SHORES DRIVE NE FAQs
What would the monthly payment be for 318 HAMILTON SHORES DRIVE NE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,318/mo — principal and interest, the actual property-tax bill, the $27/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 318 HAMILTON SHORES DRIVE NE?+
The association fee works out to $27 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 318 HAMILTON SHORES DRIVE NE?+
The most recent tax bill on record (2025) was $7,877. 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 318 HAMILTON SHORES DRIVE NE?+
The listing reports pets: Yes. 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 $549,000, this home is listed about 93% above the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 318 HAMILTON SHORES DRIVE NE?+
Fred G. Garner Academy (elementary), Winter Haven Senior High School (high), Lake Alfred Polytech Academy (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY · Dani Borow. MLS #L4964555.
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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