408 LANIER LANE, WINTER HAVEN, FL, 33884
Active0 days on marketListed Aug 12, 2026MLS #O6428832
About this home
408 LANIER LANE
Welcome to this beautifully maintained 3-bedroom, 2-bathroom block home perfectly positioned on a prime quarter-acre corner lot in Winter Haven! Boasting 1680 square feet of functional livingspace, this property offers untimate freedom with NO HOA restrictions-bring your boat, RV or toys! The light-filled interior features a cozy wood-burning fireplace, while the spacious screened lana iprovides the perfect backdrop for classic Florida outdoor living. Nestled in a highly desirable 33884 neighborhood close to top-rated schools, dining, and natural lakes, this home is ready for it's next chapter. Schedule your tour today and explore the endless possibilities! Major Capital upgrades give you complete worry-free living, featuring a high-efficiency AC replaced just 2 years ago (2024), a newer roof replaced 7 years ago (2019) and brand-new, energy-efficient windows and sliding glass doors for ultimate climate control and storm safety.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,680
Sqft
0.22 ac
Lot size
2
Garage
1972
Year built
One
Levels
$190
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.
$2,374 /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
$2,374/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
+27%
$/sqft vs Winter Haven actives
$190 vs $169
Days on market
0 vs 49 typical
Where $190/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 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
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)
204 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 13% above the WINTER HAVEN 33884 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 408 LANIER LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$290,000
4018 CYPRESS LANDING S
3 bd · 2 ba · 1,675 sqft · $173/sqft · 2 DOM
Sold · Dec ’25$259,900
4020 CYPRESS LANDING S
3 bd · 2 ba · 1,675 sqft · $155/sqft · 49 DOM
Sold · May ’26$163,300
4622 CYPRESS GARDENS ROAD
2 bd · 2 ba · 1,706 sqft · $96/sqft · 52 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
German Parra Tovar
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 408 LANIER LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 408 LANIER LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from German's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
408 LANIER LANE FAQs
What would the monthly payment be for 408 LANIER LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,374/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 408 LANIER LANE?+
The most recent tax bill on record (2025) was $2,265. 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 408 LANIER LANE?+
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 $320,000, this home is listed about 12% 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 408 LANIER LANE?+
Elbert Elementary School (elementary), Winter Haven Senior High School (high), Denison Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Michele Perry. MLS #O6428832.
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 408 LANIER LANE 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 German to ping you on any price or status change →