CENTURY 21 Edge
$750,0005 bd3.5 ba3,611 sqft$208 /sqft$5,360 /mo all-in ↓

9513 WATERFORD OAKS BOULEVARD, WINTER HAVEN, FL, 33884

Active2 days on marketListed Sep 18, 2026MLS #L4964939

Private poolSingle Family ResidenceWATERFORD OAKS

About this home

9513 WATERFORD OAKS BOULEVARD

Welcome to an exceptional 5-bedroom, 3.5 bathroom estate in the highly desirable gated community of Waterford Oaks in Winter Haven, This distinctive home offers a 2023 ROOF; NEW EXTERIOR PAINT; and a ONE YEAR HOME WARRANTY offered by the seller, along with lake access, resort-style outdoor living, flexible living spaces, and exceptional parking. A standout feature is community access to LAKE WINTERSET and the Winter Haven Chain of Lakes. A community boat ramp and dock on Lake Winterset are just a short distance away, offering convenient access for boating, fishing, and water recreation. Situated on a beautifully landscaped corner lot, the property features mature landscaping and elegant architectural details. The property offers exceptional parking with an elegant CIRCULAR DRIVEWAY and a separate SIDE ENTRY DRIVEWAY leading to the three-car garage, providing abundant space for guests, vehicles, and recreational equipment. Inside, the spacious floor plan showcases original hardwood floors, high ceilings, multiple tray ceilings, crown molding, custom built-ins, recessed lighting, and abundant natural light. The living room features custom built-in shelving surrounding an electric fireplace, while the adjoining family room offers a custom entertainment center, built-in shelving, and large windows overlooking the screened outdoor living area. The gourmet kitchen is a true centerpiece of the home, featuring custom wood cabinetry, GRANITE COUNTERTOPS, a substantial CENTER ISLAND with prep sink, built-in appliances, gas range with decorative backsplash and pot-filler faucet, abundant counter space, and generous storage. The kitchen overlooks the pool area and connects easily to the entertaining spaces. A spacious BUTLER'S CHAMBER provides additional cabinetry, workspace, storage, and a convenient laundry area. The luxurious primary suite offers a private retreat with a tray ceiling, accent lighting, large windows, plush carpeting, and a walk-in closet. The en-suite bathroom features dual vanities, tile flooring, a deep soaking tub beneath an arched window, and a spacious walk-in shower. One additional bedroom is currently used as a dedicated pool table/billiards room, offering flexibility as a recreation space or bedroom. Upstairs, an expansive TV room or potential mother-in-law suite provides additional privacy and versatility with a microwave, refrigerator, sink, 1/2 bathroom, and walk-in closet currently used as a small office. The outdoor living space is truly one of the home's major highlights, featuring a screened-in lanai, large pool with a swim-out area, OUTDOOR KITCHEN, barbecue area with NEW BARBECUE GRILL, and spacious brick-paver pool deck. The pool enclosure was rescreened last year, creating an inviting setting for swimming, dining, relaxing, and entertaining. Additional highlights include two tankless water heaters, with one serving the primary bedroom and the other serving the remainder of the home; a private well supplying irrigation for the property and adjacent vacant land which is also available for purchase. Conveniently located near shopping, dining, major roadways, local lakes, LEGOLAND Florida, and other Central Florida attractions, this distinctive estate combines Lake Winterset access, a resort-style saltwater pool, outdoor kitchen, gourmet kitchen, three-car side-entry garage, exceptional parking, multiple entertainment spaces, flexible upstairs living, and significant recent improvements.

Facts & features

The home at a glance

5

Bedrooms

3.5

Bathrooms

3,611

Sqft

0.38 ac

Lot size

3

Garage

2004

Year built

Two

Levels

$208

Per sqft

Private poolFireplacePool & Trees/Woods viewPets allowed

Inside

FlooringCarpet · Ceramic Tile · Hardwood
AppliancesBuilt-In Oven · Dishwasher · Dryer · Microwave · Range · Range Hood · Refrigerator · Tankless Water Heater · Washer · Wine Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · Crown Molding · Dry Bar · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Tray Ceiling(s) · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewPool · Trees/Woods
FacesWest
ParkingCircular Driveway · Driveway · Garage Door Opener · Garage Faces Side · Oversized
ExteriorFrench Doors · Irrigation System · Lighting · Outdoor Grill · Outdoor Kitchen · Sidewalk · Sliding Doors · Sprinkler Metered

Community & fees

HOA fee$188/mo
Taxes (2025)$8,200/yr
PetsYes
CommunityCommunity Boat Ramp · Dock · Lake · Private Boat Ramp · Water Access · Waterfront · Deed Restrictions · Gated Community - Guard · Golf Carts OK

Utilities & systems

UtilitiesCable Available · Electricity 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 and the real association fee — not generic estimates.

$5,360 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,047
PMI (est., until 20% equity)$281
Property tax — 2025 actual bill$683
HOA fee — from the listing$188
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $75,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

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

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $75,000
Interest rate6.00%
Loan term

Estimated payment

$5,360/mo

Principal & interest$4,047
PMI (est., until 20% equity)$281
Property taxes (actual bill)$683
HOA / condo fee$188
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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 $750K
$691KedgeAI estimate $807,574 · range $720K$842K$876K

vs edgeAI estimate

−7.1%

$/sqft vs Winter Haven actives

$208 vs $170

Days on market

2 vs 48 typical

Where $208/sqft sits among the 400 Winter Haven actives

49
68
120
87
36 · this home
40
$100–126$126–151$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

Drive times from this address

Walt Disney World45 min
Universal Orlando55 min
Downtown Orlando61 min
Orlando Int’l Airport (MCO)66 min
Downtown Tampa66 min

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

ElementaryChain Of Lakes Elementary School★★★★★
HighLake Region High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Winter Haven market

Seller’s marketLeans seller4.8 months of inventoryBuyer’s market

$283K$280K

Winter Haven median sold, yr/yr

97.2%

Sale-to-list ratio (12 mo)

218 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 169% above the WINTER HAVEN 33884 median. See the full Winter Haven market guide →

Paper trail

This home's history

Sep 18, 2026Listed at $750,000 · 2 days on market since
2004Built · WATERFORD OAKS

Reality check

What actually sold near 9513 WATERFORD OAKS BOULEVARD

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

9506 WATERFORD OAKS BOULEVARDSold · Nov ’25

$730,000

9506 WATERFORD OAKS BOULEVARD · same community

4 bd · 3 ba · 3,428 sqft · $213/sqft · 7 DOM

9468 WATERFORD OAKS DRIVESold · May ’26

$799,000

9468 WATERFORD OAKS DRIVE · same community

4 bd · 4 ba · 2,905 sqft · $275/sqft · 44 DOM

2651 SAN MARCO WAYSold · Apr ’26

$350,000

2651 SAN MARCO WAY

5 bd · 3.5 ba · 3,200 sqft · $109/sqft · 71 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.

Shawn Headley

Your agent

Shawn Headley

Realtor · CENTURY 21 Edge

Tours, negotiation, and every question about 9513 WATERFORD OAKS BOULEVARD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 9513 WATERFORD OAKS BOULEVARD — before you fall in love.

See it in person

Schedule a tour

Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

9513 WATERFORD OAKS BOULEVARD FAQs

What would the monthly payment be for 9513 WATERFORD OAKS BOULEVARD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,360/mo — principal and interest, the actual property-tax bill, the $188/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 9513 WATERFORD OAKS BOULEVARD?+

The association fee works out to $188 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 9513 WATERFORD OAKS BOULEVARD?+

The most recent tax bill on record (2025) was $8,200. 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 9513 WATERFORD OAKS BOULEVARD?+

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 $750,000, this home is listed about 163% 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 9513 WATERFORD OAKS BOULEVARD?+

Chain Of Lakes Elementary School (elementary), Lake Region High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$750,000 runs 169% above the WINTER HAVEN 33884 median — but at 3,611 sqft it's also nearly twice the size of the typical Winter Haven listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Fresh on the market

Only 2 days on market in a Winter Haven market that averages 48 — if it fits, move quickly.

Listing courtesy of KELLER WILLIAMS REALTY SMART 1 · David Small. MLS #L4964939.

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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9513 WATERFORD OAKS BOULEVARD, WINTER HAVEN, FL — 5 Bed, 3.5 Bath — $750,000 | CENTURY 21 Edge