
1321 OAKMONT DRIVE, WINTER HAVEN, FL, 33884
Active11 days on marketListed Oct 1, 2026MLS #P4940018
About this home
1321 OAKMONT DRIVE
** CDD Debt Balance PAID IN FULL, saving you thousands! **A new four-season Sunroom was completed in April 2026. It is glass-enclosed with a separate HVAC mini-split and has beautiful new flooring. This home offers amazing curb appeal, with new landscaping on every side of the house, including lush privacy plantings in the back. The St. Marks floor plan has 3 Bedrooms and 2 Baths, plus a Den, spacious Laundry Room and a Double-car Garage with designated Golf Cart Entry. With 2,069 sq.ft. living area in the original house PLUS an additional 243 sq.ft. living area in the Sunroom, this OPEN and SPACIOUS home is ideal for entertaining friends and family. The tile plank flooring that appears "wood like" flows thru the LR, Formal Dining, Foyer, Kitchen, Dinette, Den, Sunroom and Laundry Rooms -- adding a touch of class to this truly charming home! The voluminous ceilings are enhanced with the 8ft. door openings in the home. The kitchen is enhanced with Granite countertops, soft close drawers and cabinets with newer hardware, stainless steel appliances, tiled backsplash, step-up breakfast bar with pendant lights, and abundant countertop space for food prep and display. The Dinette area, which is adjacent to the kitchen, is accessible from the Sunroom and the Den. The spacious Owners Suite occupies the left wing of the home and is a private retreat featuring His/Her walk-in closets and its very own En-Suite bath area. The Primary Bath offers His/Her comfort height vanities with Granite countertop and Newer Cabinet Hardware, a Walk-in shower w/glass door enclosure and Large soaking tub. The triple glass block allows an abundance of natural light into the space. A "Barn-Like" door on a smooth track system separates the Primary Suite from the Primary Bath. It's stylish and practical. On the right side of this Split Floor Plan home are Bedrooms 2 and 3 and the Guest Bath. The Guest Bath has a comfort height vanity, Shower/tub combo and Newer Hardware on the Cabs. It's perfectly positioned between the Guest Bedrooms. The laundry room is well designed and is the passage from the garage into the home. The laundry room has additional shelving for your storage needs. Hosting a Game Night or Want to Cozy Up with a Good Book? The brand-new SUNROOM would be the ideal place! It's accessible thru the TRIPLE SLIDERS in the LR & DOUBLE SLIDERS in the Dinette. ADDITIONAL UPGRADES: Whole House Gutter System, Automatic Screen (Skeeter Beeter) on the Garage Door, Storm Door on the front door, Pull Down Attic Ladder, new window dressings throughout the home, Six-Filter Reverse Osmosis Water System added to the Kitchen sink, Updated Painting in Several Rooms and Cabinet Handles in the Kitchen and Bathrooms. Lake Ashton has (2) clubhouses, (2) Golf Courses, Planned Activities and Resort Style Amenities. Residents enjoy 2 Swimming Pools (one Indoor & one Outdoor), Movie Theater, Bowling Lanes, Card, Craft and Billiard Rooms, Fitness Rooms, Media Rooms, Indoor Racquetball, Indoor 1/2 Court Basketball, Pickle Ball Courts, Tennis Courts, Shuffleboard Courts, Eagles Nest (an Eatery), a Pro Shop and MORE! Lake Ashton is a beautiful 55 Plus Community in Florida closely located to Shopping, Restaurants, Entertainment and Medical Facilities. MAKE AN APPOINTMENT TODAY TOUR THIS BEAUTIFUL HOME.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,312
Sqft
0.14 ac
Lot size
2
Garage
2022
Year built
One
Levels
$184
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.
$3,233 /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
$3,233/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
−13.1%
$/sqft vs Winter Haven actives
$184 vs $171
Days on market
11 vs 77 typical
Where $184/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 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)
208 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 57% 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 1321 OAKMONT DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$445,000
1166 SAWGRASS DRIVE · same community
3 bd · 2 ba · 2,045 sqft · $218/sqft · 78 DOM
Sold · Feb ’26$452,000
1142 SAWGRASS DRIVE · same community
3 bd · 2 ba · 2,045 sqft · $221/sqft · 25 DOM
Sold · Jun ’26$350,000
1033 SAWGRASS DRIVE · same community
3 bd · 2 ba · 1,879 sqft · $186/sqft · 119 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1321 OAKMONT DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1321 OAKMONT DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1321 OAKMONT DRIVE FAQs
What would the monthly payment be for 1321 OAKMONT DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,233/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 1321 OAKMONT DRIVE?+
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 1321 OAKMONT DRIVE?+
The most recent tax bill on record (2026) was $4,540. 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 1321 OAKMONT DRIVE?+
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 $424,900, this home is listed about 49% 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 1321 OAKMONT 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.
Keep looking
Similar homes nearby
Listing courtesy of LAKE ASHTON REALTY INC. · Lori Raath. MLS #P4940018.
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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