183 LAKE THOMAS, WINTER HAVEN, FL, 33880
Active166 days on marketListed Feb 17, 2026MLS #P4937839
About this home
183 LAKE THOMAS
RUDUCED PRICE! MOTIVATED SELLERS Charming 4-Bedroom Lakefront Home on Lake Thomas – No HOA Discover the perfect blend of comfortable family living and relaxed lakefront lifestyle in this beautiful 4-bedroom, 2-bath home on Lake Thomas. Offering a spacious layout, generous outdoor space, and scenic water access, this property delivers both everyday functionality and waterfront charm. Step inside to find tile flooring throughout the main living areas and an open-concept design that seamlessly connects the living and dining spaces — ideal for family gatherings and entertaining guests. Ceiling fans throughout the home enhance comfort year-round. Outdoors, enjoy an oversized, level backyard that’s fully fenced — perfect for pets, outdoor dining, gardening, or play. Whether you're relaxing by the water or hosting weekend barbecues, this home offers space and flexibility to fit your lifestyle. Located in Winter Haven, you’ll appreciate convenient access to local amenities, shopping, dining, and recreational opportunities — all without the burden of HOA restrictions. Lake living, space to grow, and freedom to enjoy — this one has it all.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,385
Sqft
0.37 ac
Lot size
2
Garage
2005
Year built
One
Levels
$193
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.
$3,512 /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
$3,512/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
+32.4%
$/sqft vs Winter Haven actives
$193 vs $170
Days on market
166 vs 42 typical
Where $193/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)
190 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 108% above the WINTER HAVEN 33880 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 183 LAKE THOMAS
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$370,000
714 SUNSET COVE DRIVE
4 bd · 2.5 ba · 2,215 sqft · $167/sqft · 27 DOM
Sold · Oct ’25$820,000
3049 CRYSTAL BEACH ROAD
4 bd · 3 ba · 2,567 sqft · $319/sqft · 3 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
Jessica Stickler
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 183 LAKE THOMAS — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 183 LAKE THOMAS — before you fall in love.
See it in person
Schedule a tour
Live availability from Jessica's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
183 LAKE THOMAS FAQs
What would the monthly payment be for 183 LAKE THOMAS?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,512/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 183 LAKE THOMAS?+
The most recent tax bill on record (2024) was $5,292. 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 $460,000, this home is listed about 61% 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 183 LAKE THOMAS?+
Denison Middle School (middle), Winter Haven Senior High School (high), John Snively Elementary (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$460,000 runs 108% above the WINTER HAVEN 33880 median — but at 2,385 sqft it's also 44% larger than the typical Winter Haven listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
166 days on market against a Winter Haven median of 42 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $465,000, now $460,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 WOLF'S CROSSING REALTY · Lucy Martinez. MLS #P4937839.
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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