1540 S LAKE SHIPP DRIVE, WINTER HAVEN, FL, 33880
Active15 days on marketListed Sep 27, 2026MLS #L4965391
About this home
1540 S LAKE SHIPP DRIVE
Welcome home! If you’ve been looking for a home with a little more room to enjoy both inside and out, this 2-bedroom, 1-bath Winter Haven home may be just what you’ve been waiting for. As you step inside, you’re welcomed by a spacious living area with beautiful wood flooring and a brick fireplace that gives the room plenty of character. The kitchen features white cabinets, stainless steel appliances, plenty of counter space, and tile flooring. There’s also an additional enclosed space that gives you options—make it your home office, sitting area, playroom, or whatever works best for you. And wait until you see the outdoor space! Sitting on approximately 0.29 acres, the property is fully fenced with plenty of front yard and backyard space. Whether you enjoy entertaining, gardening, spending time outside with your pets, or simply want a little more room between you and your neighbors, there’s plenty of space to make it your own. You’ll also have a detached storage building for those extra items, an attached one-car garage, and a roof that is approximately 6 years old. And one more thing buyers will appreciate—NO HOA! Conveniently located in Winter Haven near shopping, dining, and everyday needs, this home gives you space, flexibility, and the freedom to make it your own. Come take a look and imagine yourself calling this one home. Schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
1,350
Sqft
0.29 ac
Lot size
1
Garage
1955
Year built
One
Levels
$159
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.
$1,746 /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
$1,746/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
+15.5%
$/sqft vs Winter Haven actives
$159 vs $171
Days on market
15 vs 77 typical
Where $159/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 33880 — neighborhood snapshot
Population
42,336
Median age
36.5
Median income
$56,803
Median home value
$200,900
Avg household
2.8
Households w/ children
5,516
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 → $279K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
209 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 4% below the WINTER HAVEN 33880 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 1540 S LAKE SHIPP 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$218,500
103 ORANGE AVENUE · same community
4 bd · 2 ba · 1,314 sqft · $166/sqft · 49 DOM
Sold · Jan ’26$200,000
87 HIGH STREET · same community
3 bd · 1 ba · 1,279 sqft · $156/sqft · 8 DOM
Sold · Nov ’25$135,000
102 ORANGE AVENUE · same community
3 bd · 1 ba · 1,080 sqft · $125/sqft · 24 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 1540 S LAKE SHIPP DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1540 S LAKE SHIPP DRIVE — 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
1540 S LAKE SHIPP DRIVE FAQs
What would the monthly payment be for 1540 S LAKE SHIPP DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,746/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 1540 S LAKE SHIPP DRIVE?+
The most recent tax bill on record (2025) was $2,703. 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 $215,000, this home is listed about 25% below the Winter Haven median of $284,995. The market section on this page shows how the area is trending.
Which schools are assigned to 1540 S LAKE SHIPP DRIVE?+
Westwood Middle School (middle), Fred G. Garner Academy (elementary), Lake Region High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Flo Orphee. MLS #L4965391.
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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