
5016 RIVER LAKE ROAD, WINTER HAVEN, FL, 33884
Active2 days on marketListed Sep 1, 2026MLS #P4939731
About this home
5016 RIVER LAKE ROAD
Welcome to your own private tropical retreat in the desirable Cypress Grove community—where there are NO HOA fees! This custom-built 3 bedroom, 2 bath home offers an exceptional blend of comfort, privacy, and entertaining space, ideally situated in a sought-after southeast Winter Haven location. From the moment you arrive, a stamped-concrete walkway and charming covered front porch create a warm welcome, while the porch overlooks the peaceful marsh. Inside, the spacious split-bedroom floor plan provides privacy and functionality for both family and guests. The generously sized Great Room is the heart of the home, featuring soaring vaulted ceilings, a cozy fireplace, and custom built-in cabinetry that adds both character and functionality. Elegant French doors open to a private tropical oasis, where lush landscaping surrounds the expansive patio and inviting pool area. The home features beautiful porcelain tile flooring throughout, along with handicapped-accessible doorways for added convenience and accessibility. The well-appointed eat-in kitchen is designed for both everyday living and entertaining, featuring crisp white cabinetry, granite countertops, tile backsplash, and a convenient pocket door leading to the formal dining room. An updated stainless-steel appliance package, including a wall oven, makes meal preparation effortless. The large breakfast bar provides additional seating, while the cheerful breakfast nook offers picturesque views of the patio and pool. The formal dining room is enhanced by elegant crown molding and a custom light fixture, creating the perfect setting for entertaining and special occasions. The primary bedroom suite is a true retreat, offering generous space for a sitting area and direct access to the patio through a glass door. A spacious walk-in closet provides ample storage. The luxurious ensuite bath features dual sinks with white cabinetry, new light fixtures, a new matte-black gooseneck faucet with coordinating hardware, a large walk-in seated shower with glass enclosure, relaxing garden tub, and comfort-height toilet. Step outside and discover the ultimate outdoor living experience. The sparkling pool and spa feature a cascading waterfall, creating a soothing and tranquil atmosphere. The expansive screened enclosure allows you to enjoy Florida's outdoor lifestyle throughout the year, while the fenced yard provides an ideal space for pets, barbecues, entertaining, and gatherings with family and friends. Additional features include a dedicated laundry room with utility sink, washer and dryer, Ring doorbell, irrigation system supplied by a private well, double-pane windows, exterior flood lights, and a circular driveway. A second driveway provides ample room to accommodate a boat or RV. Recent major improvements include an architectural shingle roof (2023), water heater (2023), and HVAC system (2021). The two-car garage features a generator panel and garage door opener. Ideally located in southeast Winter Haven, this exceptional property offers convenient access to schools, shopping, restaurants, and LEGOLAND Florida Resort, making it an ideal place to call home. No HOA fees, a private pool and spa, spacious indoor and outdoor living areas, and room for a boat or RV—this exceptional Cypress Grove home truly has it all!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,350
Sqft
0.33 ac
Lot size
2
Garage
1999
Year built
One
Levels
$174
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.
$2,962 /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
$2,962/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
−14.1%
$/sqft vs Winter Haven actives
$174 vs $169
Days on market
2 vs 48 typical
Where $174/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)
213 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 46% 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 5016 RIVER LAKE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$390,000
5029 RIVER LAKE ROAD · same community
3 bd · 2 ba · 1,721 sqft · $227/sqft · 13 DOM
Sold · May ’26$440,000
12 BRIDGEWATER DRIVE
3 bd · 3 ba · 2,369 sqft · $186/sqft · 6 DOM
Sold · Apr ’26$465,000
349 RUBY LAKE LOOP
4 bd · 3 ba · 2,374 sqft · $196/sqft · 159 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
German Parra Tovar
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5016 RIVER LAKE ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5016 RIVER LAKE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from German's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5016 RIVER LAKE ROAD FAQs
What would the monthly payment be for 5016 RIVER LAKE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,962/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 5016 RIVER LAKE ROAD?+
The most recent tax bill on record (2026) was $2,480. 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 5016 RIVER LAKE ROAD?+
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 $410,000, this home is listed about 44% 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 5016 RIVER LAKE ROAD?+
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
$410,000 runs 46% above the WINTER HAVEN 33884 median — but at 2,350 sqft it's also 40% 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.
03Fresh on the market
Only 2 days on market in a Winter Haven market that averages 48 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 MYERS REALTY LAKE WALES · Eileen Belanger. MLS #P4939731.
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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