4064 PHOENICIAN WAY, WINTER HAVEN, FL, 33884
Active16 days on marketListed Sep 26, 2026MLS #P4939945
About this home
4064 PHOENICIAN WAY
GOLF COURSE LIVING AT ITS FINEST! Take a look at this absolutely stunning 3 BR + Den / 2 BA St. John floor plan home in the highly desirable Lake Ashton community, a gated 55+ community in Central Florida! Located on an oversized corner lot, with NO BACKYARD NEIGHBORS you’ll enjoy the serene water views that border Hole 13 along Lake Ashton's West Course. This home has mature and well-maintained landscape with Oak Trees and Beautiful Stately Palm trees, all "watered" by a separate irrigation meter. Highlights you'll love about this home: Double French door entry with Custom Tilework & Interior Finishes in the Open and Spacious Living Room with Tray Ceiling, Triple Sliders that separate the Living Room from the Large Screened Lanai; Luxury Kitchen with Granite Countertops, Tile Backsplash, Under and Above Cabinet Lighting, Custom 42" Maple Cabinets with Pullouts, Pendant Lighting on the Breakfast Bar, SS Appliances, Crown Molding, Glass Front on Select Upper Cabinets and a New Wine Fridge. The Walk in Pantry and Dinette Areas are adjacent to the Kitchen. This home features a Luxurious Primary Suite with Trey Ceiling, His/Her Walk-in closets, a Private En-Suite bathroom complete with a Soaking tub, Separate shower with Custom tile and glass enclosure, Separate His/Her Vanities, and a Dedicated Linen closet. The Primary Suite is a serene retreat after a fun day in Lake Ashton. Additional Upgrades Include: Tile on the Diagonal Flooring, Custom Ceiling fans, Designer lighting fixtures, Stately columns at the entry and a formal dining area, Central Vac, Whole House Sound System and Plantation Shutters. Improvements to the home include: New Roof (2025), New Exterior Paint (2025), Coil Replacement on the A/C, New Water Heater (2025). This home is a Split Floor Plan, offering Privacy for the Owner and Overnight Guests. Bedroom 2 and Bedroom 3 have carpet flooring, a Built in Closet, and ceiling fan. Guests will enjoy the spacious Bath with Comfort Height Vanity and Glass Enclosed Shower. Enjoy Reading a Good Book? Escape to the Den- It's a cozy sitting area and has custom Built-In Shelving- the perfect place to display photos, books or your special "Collectibles. The inside laundry room in this home is sizeable and is the passage from the garage into the home. This home offers a 2- Car Garage and Dedicated Golf Cart Entry. Lake Ashton offers Planned Activities like Dances, Entertainment Series, Karaoke, Bingo and Trivia, Day Trips and SO MUCH MORE! Lake Ashton has two Clubhouses. Residents enjoy Indoor/Outdoor Pools, Pickleball Courts, Tennis Courts, 2- 18 Hole Golf Courses (Memberships Optional), Indoor Racquetball, Movie Theater, Bowling Lane, Fitness Centers (2), Eagles Nest (Eatery), Card, Craft and Billiards and MORE! Schedule an Appointment Today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,354
Sqft
0.2 ac
Lot size
2
Garage
2007
Year built
One
Levels
$191
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.
$3,414 /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
$3,414/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
+11.2%
$/sqft vs LAKE ASHTON WEST PH 01
$191 vs $187
Days on market
16 vs 77 typical
Where $191/sqft sits among the 10 homes for sale in LAKE ASHTON WEST PH 01
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 Lake Ashton
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
Lake Ashton — neighborhood snapshot
Population
3,278
Median age
62
Median income
$75,204
Median home value
$304,700
Avg household
2
Households w/ children
115
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 → $279K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
6 of 10
LAKE ASHTON WEST PH 01 have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 67% 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 4064 PHOENICIAN WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’26$410,000
4048 PHOENICIAN WAY · same community
3 bd · 2 ba · 2,354 sqft · $174/sqft · 255 DOM
Sold · Aug ’26$315,000
5352 NICKLAUS DRIVE · same community
2 bd · 2 ba · 2,354 sqft · $134/sqft · 60 DOM
Sold · May ’26$430,000
5357 HOGAN LANE · same community
3 bd · 2 ba · 2,363 sqft · $182/sqft · 241 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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4064 PHOENICIAN WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4064 PHOENICIAN WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4064 PHOENICIAN WAY FAQs
What would the monthly payment be for 4064 PHOENICIAN WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,414/mo — principal and interest, the actual property-tax bill, the $5/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 4064 PHOENICIAN WAY?+
The association fee works out to $5 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4064 PHOENICIAN WAY?+
The most recent tax bill on record (2026) was $4,814. 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 4064 PHOENICIAN WAY?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 $449,900, this home is listed about 58% above the Winter Haven median of $284,995. The market section on this page shows how the area is trending.
Which schools are assigned to 4064 PHOENICIAN 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.
Keep looking
Similar homes nearby
Listing courtesy of LAKE ASHTON REALTY INC. · Lori Raath. MLS #P4939945.
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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