464 FISH HAWK DRIVE, WINTER HAVEN, FL, 33884
Active3 days on marketListed Sep 17, 2026MLS #O6441688
About this home
464 FISH HAWK DRIVE
"Looking for a large home at a reasonable price? This spacious 6-bedroom home in Hart Lake Cove could be the one for you! Freshly painted with new carpet throughout most of the home, this property offers an impressive amount of living space and flexibility. The first floor features a living room, family room, dining area, eat-in kitchen, half bath, and a generously sized bedroom with its own private bathroom—ideal for guests, extended family, or a private home office. The spacious kitchen offers plenty of room to cook and entertain and features a center island and stainless steel appliances. Upstairs, you’ll find a large loft, five additional bedrooms, and three bathrooms, providing plenty of room for everyone. The loft offers even more flexible space for a game room, media area, study space, or second family room. Outside, enjoy a large fenced backyard with plenty of room for outdoor activities, pets, entertaining, or simply relaxing. A 3-car garage provides excellent parking and additional storage space. With 6 bedrooms, multiple living areas, a large loft, 4.5 bathrooms, a 3-car garage, and a spacious fenced backyard, this home offers the room and versatility that can be difficult to find at this price point. Upgrades over the years include new roof installed in 2021; new electric water heater in 2022; new heat pump systems in 2019; exterior freshly painted in 2021; new gutters added in 2020. Whether you need space for a large household, extended family, guests, or multiple home offices, this Hart Lake Cove home has plenty to offer. Schedule your private showing today!"
Facts & features
The home at a glance
6
Bedrooms
4.5
Bathrooms
3,920
Sqft
0.19 ac
Lot size
3
Garage
2006
Year built
Two
Levels
$115
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.
$3,606 /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
$3,606/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
+1.8%
$/sqft vs Winter Haven actives
$115 vs $170
Days on market
3 vs 48 typical
Where $115/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)
217 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 61% 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 464 FISH HAWK DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$410,000
461 FISH HAWK DRIVE · same community
6 bd · 4.5 ba · 3,920 sqft · $105/sqft · 177 DOM
Sold · Mar ’26$344,999
368 FISH HAWK DRIVE · same community
5 bd · 3 ba · 2,952 sqft · $117/sqft · 103 DOM
Sold · Sep ’26$339,000
177 FISH HAWK DRIVE
6 bd · 4.5 ba · 3,920 sqft · $86/sqft · 5 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 464 FISH HAWK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 464 FISH HAWK DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
464 FISH HAWK DRIVE FAQs
What would the monthly payment be for 464 FISH HAWK DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,606/mo — principal and interest, the actual property-tax bill, the $80/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 464 FISH HAWK DRIVE?+
The association fee works out to $80 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 464 FISH HAWK DRIVE?+
The most recent tax bill on record (2025) was $6,255. 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 464 FISH HAWK DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $449,489, this home is listed about 58% 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 464 FISH HAWK DRIVE?+
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
$449,489 runs 61% above the WINTER HAVEN 33884 median — but at 3,920 sqft it's also nearly twice the size of the typical Winter Haven listing.
02Fresh on the market
Only 3 days on market in a Winter Haven market that averages 48 — if it fits, move quickly.
03The price has already moved
Listed at $450,000, now $449,489 — a $511 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CFRP REALTY LLC · John Dannel. MLS #O6441688.
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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