1016 S LAKE MARIAM DRIVE, WINTER HAVEN, FL, 33884
Active4 days on marketListed Aug 30, 2026MLS #P4939728
About this home
1016 S LAKE MARIAM DRIVE
LAKEFRONT POOL HOME WITH PRIVATE ATTACHED IN-LAW SUITE IN CENTRAL FLORIDA! Welcome home to 1016 S Lake Mariam Dr in SE Winter Haven. This exceptional custom built, one-owner home has it all! Boasting nearly 3,700 sq ft of living area, this home offers flexibility in this thoughtfully designed property featuring a fully functional in-law suite. Complete with a private entrance, comfortable living area, kitchenette, private bedroom, and full bathroom, this space ensures independence and privacy for extended family members or visitors. Whether you need a seamless multi-generational living arrangement, a quiet work-from-home office, or an option for supplemental rental income, this bonus square footage delivers unmatched utility without compromising the comfort of the main home. From the moment you arrive, the covered front entry porch creates a warm first impression. Upon entering the foyer, the home opens up into the great room with gas fireplace, dining room, kitchen, and breakfast nook. Downstairs features 10 foot ceilings and crown molding throughout. The heart of the home flows seamlessly to the covered lanai through sliding glass doors where you can unwind while taking in tranquil views of the lake and sparkling pool, creating the perfect backdrop for your morning coffee or evening sunsets. The fully functional kitchen offers generous cabinetry and counter space for preparing meals and gathering with loved ones, a breakfast bar, newer stainless-steel appliances, and a large walk-in pantry. The master suite retreat, offering gorgeous lake views, is also downstairs for privacy and includes a walk-in closet, dual sinks, linen closet, and walk-in shower with dual shower heads. Upstairs you will enter into a massive loft, providing the perfect setting for a media room, game room, or an open office space. The second floor also features, 3 generous sized bedrooms, a full bathroom, and a bonus room. Spend your free time enjoying the Florida lifestyle floating in your pool, barbequing with friends and family, launching a kayak, or simply enjoying the sunrise and sunset views at this beautiful lakefront home. You will save big monthly keeping your yard pristine with the irrigation well. The massive 3-car garage provides space for all of your vehicles and toys. The well-established community of Waters Of Lake Mariam has only 22 homes and a low HOA of $300 annually. Perfectly positioned just minutes from major highways, shopping, restaurants, and everyday conveniences, this home offers the ideal balance of peaceful lakeside living and easy access to everything Central Florida has to offer. Opportunities like this do not last—make it yours.
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,694
Sqft
0.38 ac
Lot size
3
Garage
2003
Year built
Two
Levels
$206
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.
$4,936 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,936/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−6.6%
$/sqft vs Winter Haven actives
$206 vs $169
Days on market
4 vs 48 typical
Where $206/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)
211 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 172% 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 1016 S LAKE MARIAM DRIVE
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$875,000
157 LAKE ROY DRIVE
5 bd · 4 ba · 3,839 sqft · $228/sqft · 72 DOM
Sold · Apr ’26$615,550
316 LOCHEN CIR SE
5 bd · 3.5 ba · 3,503 sqft · $176/sqft · 86 DOM
Sold · Mar ’26$620,000
3 BROGDEN COURT SE
4 bd · 3 ba · 3,918 sqft · $158/sqft · 58 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
Jasmine Ince
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1016 S LAKE MARIAM DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1016 S LAKE MARIAM DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Jasmine's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1016 S LAKE MARIAM DRIVE FAQs
What would the monthly payment be for 1016 S LAKE MARIAM DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,936/mo — principal and interest, the actual property-tax bill, the $25/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 1016 S LAKE MARIAM DRIVE?+
The association fee works out to $25 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1016 S LAKE MARIAM DRIVE?+
The most recent tax bill on record (2025) was $4,377. 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 1016 S LAKE MARIAM 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 $760,000, this home is listed about 167% 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 1016 S LAKE MARIAM 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
$760,000 runs 172% above the WINTER HAVEN 33884 median — but at 3,694 sqft it's also nearly twice the size of 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.
03Fresh on the market
Only 4 days on market in a Winter Haven market that averages 48 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY SMART 1 · Kelly Jones. MLS #P4939728.
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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