CENTURY 21 Edge
$249,000$264,9003 bd2 ba1,442 sqft$173 /sqft$2,244 /mo all-in ↓

2202 GARDEN LAKE DRIVE, WINTER HAVEN, FL, 33884

Active227 days on marketListed Dec 26, 2025MLS #P4937345

Priced 12% below the WINTER HAVEN 33884 medianReduced $16KSingle Family ResidenceRICHMOND SQUARE SUB

About this home

2202 GARDEN LAKE DRIVE

Experience resort-style living in the prestigious gated community of Winterset, just minutes from Legoland. This captivating 3-bedroom, 2-bath villa, featuring Mediterranean-inspired architecture, offers the perfect blend of elegance, comfort, and tranquility. Upon arrival, you’re welcomed by a charming covered screened porch accented with a leaded glass entry door, setting the tone for the inviting interior. The thoughtfully designed split-bedroom floor plan includes a spacious great room highlighted by a wood-burning fireplace, a decorative built-in media center, and glass sliders that open to the Florida room—seamlessly blending indoor and outdoor living. Easy-to-maintain solid surface flooring flows throughout the home. The well-appointed kitchen showcases white cabinetry with crown molding, an upgraded stainless steel appliance package including a gas range and beverage cooler. Granite countertops that adorn the expansive breakfast bar and a double-bowl sink with a gooseneck faucet adds both style and functionality. The open-concept layout is ideal for entertaining, with the formal dining room flowing effortlessly into the living area. The primary bedroom suite serves as a luxurious retreat, featuring laminate flooring, a spacious walk-in closet, and a glass slider providing private access to the Florida room. The primary bathroom offers a granite-topped vanity, upgraded brushed nickel fixtures, a comfort-height toilet, and a tub/shower combination with a decorative tile surround. Both guest bedrooms are generously sized and include walk-in closets, providing ample storage. Outdoor living is elevated with an extended Florida room offering peaceful pond views—an ideal space to relax and unwind. Additional Features: Laundry room with washer and dryer, New ceiling fans throughout with remote controls, new water heater, Updated AC system (2021), Epoxy-finished flooring in the Florida room and garage, Exterior carriage lighting, Gutters, Tile roof, One-car garage with garage door opener. The Winterset community offers an exceptional array of amenities, including a lakefront clubhouse, tennis courts, shuffleboard, a heated pool, hot tub, and access to Lake Winterset, part of the renowned Winter Haven Chain of Lakes. HOA fees include exterior maintenance, grounds maintenance, security, and access to community amenities, ensuring truly carefree living. Conveniently located near shopping, dining, medical facilities, and entertainment, this villa provides a lifestyle defined by luxury, comfort, and convenience.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,442

Sqft

0.09 ac

Lot size

1

Garage

2000

Year built

One

Levels

$173

Per sqft

FireplaceWater viewPets allowed

Inside

FlooringCeramic Tile · Laminate
AppliancesDryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer · Wine Refrigerator
InteriorCeiling Fan(s) · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Stone Counters · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofTile
ConstructionBlock
FoundationSlab
ViewWater
FacesNorth
ParkingDriveway · Garage Door Opener
ExteriorLighting · Rain Gutters

Community & fees

HOA fee$230/mo
Taxes (2025)$3,336/yr
PetsYes
CommunityCommunity Boat Ramp · Fishing · Lake · Water Access · Waterfront · Clubhouse · Community Mailbox · Deed Restrictions · Gated Community - No Guard · Sidewalks · Special Community Restrictions

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Natural Gas Connected · Phone Available · Public · Sewer Connected · Street Lights · Underground Utilities · 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.

$2,244 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,466
FHA mortgage insurance (est.)$110
Property tax — 2025 actual bill$278
HOA fee — from the listing$230
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $8,715Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $8,715
Interest rate6.00%
Loan term

Estimated payment

$2,244/mo

Principal & interest$1,466
FHA mortgage insurance (est.)$110
Property taxes (actual bill)$278
HOA / condo fee$230
Est. insurance$160

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.

List $249K
$239KedgeAI estimate $273,496 · range $272K$275K$286K

vs edgeAI estimate

−9%

$/sqft vs Winter Haven actives

$173 vs $170

Days on market

227 vs 48 typical

Where $173/sqft sits among the 400 Winter Haven actives

57
73
115 · this home
87
33
35
$105–130$130–154$154–179$179–204$204–229$229+

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

Map of 2202 GARDEN LAKE DRIVE

Drive times from this address

Walt Disney World46 min
Universal Orlando56 min
Downtown Orlando63 min
Downtown Tampa65 min
Orlando Int’l Airport (MCO)67 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

ElementaryElbert Elementary School★★★★
HighWinter Haven Senior High School★★★★★
MiddleDenison Middle School★★★★

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

The numbers that matter

The Winter Haven market

Seller’s marketBalanced5.2 months of inventoryBuyer’s market

$283K$280K

Winter Haven median sold, yr/yr

97.2%

Sale-to-list ratio (12 mo)

194 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 12% below the WINTER HAVEN 33884 median. See the full Winter Haven market guide →

Paper trail

This home's history

CurrentPrice reduced to $249,000 $16K
Dec 26, 2025Listed at $264,900 · 227 days on market since
2000Built · RICHMOND SQUARE SUB

Reality check

What actually sold near 2202 GARDEN LAKE DRIVE

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

2220 GARDEN LAKE DRIVESold · Jan ’26

$320,000

2220 GARDEN LAKE DRIVE · same community

3 bd · 2 ba · 1,717 sqft · $186/sqft · 86 DOM

565 TERRANOVA CIRCLESold · Mar ’26

$260,000

565 TERRANOVA CIRCLE

3 bd · 2 ba · 1,448 sqft · $180/sqft · 113 DOM

565 TERRANOVA CIRCLESold · Sep ’25

$205,000

565 TERRANOVA CIRCLE

3 bd · 2 ba · 1,448 sqft · $142/sqft · 0 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.

John Carpenter

Your agent

John Carpenter

CFO/Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 2202 GARDEN LAKE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2202 GARDEN LAKE DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

2202 GARDEN LAKE DRIVE FAQs

What would the monthly payment be for 2202 GARDEN LAKE DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,244/mo — principal and interest, the actual property-tax bill, the $230/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 2202 GARDEN LAKE DRIVE?+

The association fee works out to $230 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 2202 GARDEN LAKE DRIVE?+

The most recent tax bill on record (2025) was $3,336. 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 2202 GARDEN LAKE DRIVE?+

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 $249,000, this home is listed about 13% 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 2202 GARDEN LAKE DRIVE?+

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.

The brief

Four things that matter here

01Under the WINTER HAVEN 33884 market on paper

$249,000 is 12% below the WINTER HAVEN 33884 median of $284,490.

02Water views

The water view is part of what you're buying — views hold value independently of the structure.

03Time on market is leverage

227 days on market against a Winter Haven median of 48 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $264,900, now $249,000 — a $16K cut. The full history is in the market section below.

Listing courtesy of CENTURY 21 MYERS REALTY LAKE WALES · Eileen Belanger. MLS #P4937345.

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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2202 GARDEN LAKE DRIVE, WINTER HAVEN, FL — 3 Bed, 2 Bath — $249,000 | CENTURY 21 Edge