5320 LAUREL OAK DRIVE, WINTER HAVEN, FL, 33880
Active120 days on marketListed Apr 7, 2026MLS #P4938371
About this home
5320 LAUREL OAK DRIVE
Virtually Staged. This welcoming 3 bedroom, 2 bathroom home in the Winter Haven Oaks 55+ community blends comfort, convenience, and an upbeat, easygoing lifestyle. The layout offers three flexible bedrooms along with a bright sun room that quickly becomes the heart of the home — an ideal spot for morning coffee, quiet afternoons, or simply enjoying the peaceful surroundings. An attached carport provides effortless covered parking, and there is also a storage shed located under the carport for added convenience. Residents can choose the setup that fits their needs: $1,650 per month unfurnished or $1,750 per month fully furnished for a true move-in-ready experience. Monthly rent includes water, pest control, lot rent, and lawn care, keeping living simple and stress-free. Winter Haven Oaks elevates the experience with two clubhouses, two swimming pools, and a charming teahouse overlooking the lake. The community also features a large hot tub, tennis courts, pickleball courts, billiards and a game room, a fitness room, and shuffleboard. Numerous weekly planned activities create plenty of opportunities to stay social and engaged. As a gated community, it also provides an added sense of safety and peace of mind. With friendly neighbors, well-kept grounds, and amenities designed for an enjoyable 55+ lifestyle, this home offers a warm and inviting place to settle in and feel right at home.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,508
Sqft
0.5 ac
Lot size
2008
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.
$172 /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
$172/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 $170
Days on market
120 vs 48 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 →
The numbers that matter
The Winter Haven market
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
191 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 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 5320 LAUREL OAK DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$400,000
5790 CRYSTAL BEACH ROAD
3 bd · 2 ba · 1,534 sqft · $261/sqft · 87 DOM
Sold · Feb ’26$280,000
110 BRAD CIRCLE
3 bd · 2 ba · 1,472 sqft · $190/sqft · 64 DOM
Sold · Dec ’25$284,000
232 SPIRIT LANDINGS CIRCLE
3 bd · 2 ba · 1,546 sqft · $184/sqft · 21 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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 5320 LAUREL OAK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5320 LAUREL OAK DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5320 LAUREL OAK DRIVE FAQs
What would the monthly payment be for 5320 LAUREL OAK DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $172/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 5320 LAUREL OAK DRIVE?+
The listing reports pets: Monthly Pet Fee, Pet Deposit. 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 $1,600, 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.
The brief
Three things that matter here
01Under the Winter Haven market on paper
$1,600 is 99% below the Winter Haven median of $285,000, and at $1/sqft it sits under the Winter Haven average of $174.
02Time on market is leverage
120 days on market against a Winter Haven median of 48 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $1,650, now $1,600 — a $50 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PROPERTY MANAGEMENT OF POLK · Christin Davis. MLS #P4938371.
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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