1504 LAKE THOMAS LOOP, WINTER HAVEN, FL, 33880
Active20 days on marketListed Jul 3, 2026MLS #O6421631
About this home
1504 LAKE THOMAS LOOP
Spectacular lake views and an expansive open floor plan make this home a must-see! Designed with a desirable triple-split layout, it offers both space and privacy. The luxurious primary suite features dual vanities, a relaxing soaking tub, and a spacious en-suite bath. Offering 4 bedrooms plus a private office, this home also includes a generous great room and attractive laminate flooring throughout. The bright, open kitchen is equipped with stainless steel appliances and flows effortlessly into the living and dining areas. Beautifully decorated with a stylish color palette, the home extends to a charming screened lanai overlooking a fully fenced backyard with gorgeous mature oak trees. Additional features include a surround sound system and plenty of room for family, guests, or entertaining. Ideally located with convenient access to the Polk Parkway, this home combines comfort, elegance, and everyday convenience.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,419
Sqft
0.28 ac
Lot size
2
Garage
2006
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$175 /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
$175/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Winter Haven actives
$1 vs $171
Days on market
20 vs 42 typical
Where $1/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
$285K → $287K
Winter Haven median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
197 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 99% 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 1504 LAKE THOMAS LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$290,000
4525 ASHFORD DRIVE
3 bd · 2 ba · 2,434 sqft · $119/sqft · 24 DOM
Sold · Oct ’25$400,000
4346 THOMAS WOOD LN E
4 bd · 2 ba · 2,376 sqft · $168/sqft · 140 DOM
Sold · Aug ’25$450,000
1102 BERKLEY LANE
5 bd · 3 ba · 2,589 sqft · $174/sqft · 9 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
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1504 LAKE THOMAS LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1504 LAKE THOMAS LOOP — 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
1504 LAKE THOMAS LOOP FAQs
What would the monthly payment be for 1504 LAKE THOMAS LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $175/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 1504 LAKE THOMAS LOOP?+
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 $2,100, this home is listed about 99% 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 1504 LAKE THOMAS LOOP?+
Westwood Middle School (middle), Lake Region High School (high), Clarence Boswell Elementary School (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the WINTER HAVEN 33880 market on paper
$2,100 is 99% below the WINTER HAVEN 33880 median of $232,400, and at $1/sqft it sits under the Winter Haven average of $172.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $2,200, now $2,100 — a $100 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ADVANTAGE REALTY · Geordy Dalmas. MLS #O6421631.
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.
Never miss a listing
New Winter Haven homes, in your inbox
Like 1504 LAKE THOMAS LOOP but not quite? A daily digest of every new listing in Winter Haven — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Shawn to ping you on any price or status change →