120 LAKE MARIAM WAY, WINTER HAVEN, FL, 33884
Active16 days on marketListed Sep 4, 2026MLS #P4939726
About this home
120 LAKE MARIAM WAY
Welcome home to this beautifully maintained four-bedroom, 2½-bathroom home located in a desirable gated community. New Roof installed along with a private access boat launch to Lake Mariam, perfect for enjoying Florida’s outdoor lifestyle. From the moment you walk through the front door, the home’s thoughtfully designed open floor plan immediately stands out. Your view leads straight through to the sparkling pool, creating a wonderful sense of space and bringing the outdoors in. The dining room is conveniently located to the right, while the spacious living room provides plenty of room for relaxing and entertaining. The kitchen features a large island with a breakfast bar, making it the perfect gathering spot for family and friends. Its open design allows you to prepare meals or wash dishes while still keeping an eye on the family enjoying the pool. Step outside to the expansive pool area, where there is plenty of space for outdoor dining, morning coffee, entertaining, or simply relaxing by the pool. It’s an ideal setting for enjoying the Florida sunshine year-round. The oversized master suite offers plenty of room to unwind and features a spacious master bathroom with a garden tub and dual vanity sinks. And there are some important recent updates to appreciate, including a new roof installed just one year ago and a new garage door. With its spacious floor plan, private lake access, boat launch, pool, oversized master suite, and recent improvements, this home offers the perfect combination of comfort, convenience, and Florida living—all within a gated community.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,308
Sqft
0.34 ac
Lot size
2
Garage
1995
Year built
One
Levels
$180
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.
$3,072 /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
$3,072/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
−7%
$/sqft vs Winter Haven actives
$180 vs $170
Days on market
16 vs 48 typical
Where $180/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)
218 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 49% 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 120 LAKE MARIAM WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$495,000
136 LAKE MARIAM WAY · same community
4 bd · 2 ba · 2,467 sqft · $201/sqft · 0 DOM
Sold · May ’26$362,450
115 LAKE MARIAM WAY · same community
4 bd · 2 ba · 2,113 sqft · $172/sqft · 248 DOM
Sold · Mar ’26$406,000
418 SMILEY COURT · same community
3 bd · 2 ba · 2,054 sqft · $198/sqft · 9 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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 120 LAKE MARIAM WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 120 LAKE MARIAM WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
120 LAKE MARIAM WAY FAQs
What would the monthly payment be for 120 LAKE MARIAM WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,072/mo — principal and interest, the actual property-tax bill, the $38/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 120 LAKE MARIAM WAY?+
The association fee works out to $38 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 120 LAKE MARIAM WAY?+
The most recent tax bill on record (2025) was $2,969. 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 120 LAKE MARIAM WAY?+
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 $415,000, this home is listed about 46% 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 120 LAKE MARIAM WAY?+
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
$415,000 runs 49% above the WINTER HAVEN 33884 median — but at 2,308 sqft it's also 38% larger than the typical Winter Haven listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $425,000, now $415,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LA ROSA REALTY PRESTIGE · Keith St. Onge. MLS #P4939726.
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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