4028 PHOENICIAN WAY, WINTER HAVEN, FL, 33884
Active16 days on marketListed Sep 26, 2026MLS #P4939973
About this home
4028 PHOENICIAN WAY
CDD DEBT BALANCE PAID IN FULL*** DESIGNATED GOLF CART ENTRY/GARAGE (9x18) *** FLORIDA ROOM (10X30) ** EXTENDED SCREENED ENCLOSURE(15x30) ** ROOF REPLACED 2022** **Three (3) Windows Replaced in 2023** ** EXTERIOR OF THE HOME PAINTED IN 2021*** and DEDICATED UNSCREENED PAVER AREA FOR YOUR GRILL. This Bali Floor Plan with 2 Beds/2 Baths offers 1,484 sq.ft. living area PLUS 300 Sq. ft. living area in the Florida Room with Tile Floor and Air Conditioning. Grab your Binoculars- You're going to enjoy the nature views of the pond, golf course and wooded area while you relax on the back lanai. The Double Glass Door Entry opens into the heart of the home, the Living Room area. The Guest Bedroom and Bathroom are on the Right, Front of the Home. The Guest Bath features a Shower/Tub Combo and a pocket door provides privacy for overnight guests. A dedicated Linen Closet is in the hallway that leads to the Guest Bedroom/Bath. The Kitchen offers 42" cabinets, granite countertops, breakfast bar, reach in pantry and dinette area. The Living Room, Kitchen and Dinette areas have Crown molding and Tile Floors. The triple sliding glass door system in the Living Room and Double sliding glass door system in the Dinette create a wide, unobstructed opening to the Florida room, offering flexible ventilation, abundant natural light, and a seamless connection. The Florida Room could be used as a Craft area, additional Sitting area with TV or even a Bedroom room for Guests. You have Options! Make the Most of the Space!!! The Primary Suite offers His/Her Walk in Closets and En-suite with Tiled Shower, Vanity with Dual Integrated Sinks and Linen Closet. This attractive home has a 2 Car Garage (19x20) and Separate Golf Cart Garage. The Garage Doors have glass inserts for additional light into the garage and add to the Curb Value of this Home with Paver Driveway and Flagpole. The well-maintained lawn has an irrigation system and custom curbing outlines the landscape beds with rock mulch. Lake Ashton is a 55+ community with Resort Style Amenities, Planned Activities like Dances, Trivia, Day trips, Entertainment series, Holiday Events and MORE! The residents in Lake Ashton enjoy Outdoor and Indoor Swimming Pools, 2- Golf Courses (Memberships are Optional), 2 - Clubhouses, Pickleball, Tennis, Racquetball (Indoor), 1/2 Court Basketball (Indoor), Billiards, Bowling Lanes, Movie Theater, Eagles Nest (Eatery) and More. Make plans today to visit this home and Lake Ashton!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,784
Sqft
0.18 ac
Lot size
2
Garage
2007
Year built
One
Levels
$185
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.
$2,581 /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
$2,581/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
−11.9%
$/sqft vs LAKE ASHTON WEST PH 01
$185 vs $191
Days on market
16 vs 77 typical
Where $185/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 22% 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 4028 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 · Sep ’26$355,000
5337 HOGAN LANE · same community
3 bd · 2 ba · 1,833 sqft · $194/sqft · 53 DOM
Sold · Apr ’26$339,500
5201 GREEN DRIVE · same community
3 bd · 2 ba · 1,845 sqft · $184/sqft · 141 DOM
Sold · Jul ’26$320,000
5384 HOGAN LANE · same community
2 bd · 2 ba · 1,682 sqft · $190/sqft · 319 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 4028 PHOENICIAN WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4028 PHOENICIAN WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4028 PHOENICIAN WAY FAQs
What would the monthly payment be for 4028 PHOENICIAN WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,581/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 4028 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 4028 PHOENICIAN WAY?+
The most recent tax bill on record (2026) was $3,926. 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 4028 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 $330,000, this home is listed about 16% 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 4028 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 #P4939973.
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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