1020 W LAKE HAMILTON DRIVE, WINTER HAVEN, FL, 33881
Active3 days on marketListed Oct 9, 2026MLS #P4940113
About this home
1020 W LAKE HAMILTON DRIVE
Central Florida Lakefront living in Winter Haven, Florida on an acre of land with no HOA. This home is for a buyer who loves lake views, great fishing, skiing and water sports. With over 3,400 square feet, this 4 bedroom 3 bathroom home is located just minutes from downtown, Lego Land and about an hour from Orlando attractions. Move-in ready for your family or start retirement at the lakefront retreat. Spend time in the 18 x 11 workshop or enjoy lounging in the recently added screened room while enjoying the lake views, wildlife and beautiful oaks.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,428
Sqft
1.09 ac
Lot size
1963
Year built
One
Levels
$207
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.
$4,622 /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
$4,622/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
+27%
$/sqft vs Winter Haven actives
$207 vs $171
Days on market
3 vs 77 typical
Where $207/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 33881 — neighborhood snapshot
Population
39,189
Median age
43.6
Median income
$53,867
Median home value
$177,400
Avg household
2.61
Households w/ children
3,730
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)
209 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 196% above the WINTER HAVEN 33881 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 1020 W LAKE HAMILTON DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$385,000
1240 W LAKE HAMILTON DRIVE · same community
2 bd · 2 ba · 1,453 sqft · $265/sqft · 0 DOM
Sold · Sep ’26$1,050,000
1645 CRUMP ROAD
5 bd · 4 ba · 3,612 sqft · $291/sqft · 14 DOM
Sold · Mar ’26$459,499
5860 HEAVEN ROAD
5 bd · 3.5 ba · 3,182 sqft · $144/sqft · 51 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1020 W LAKE HAMILTON DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1020 W LAKE HAMILTON DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1020 W LAKE HAMILTON DRIVE FAQs
What would the monthly payment be for 1020 W LAKE HAMILTON DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,622/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 1020 W LAKE HAMILTON DRIVE?+
The most recent tax bill on record (2025) was $4,373. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Winter Haven?+
At $710,000, this home is listed about 149% 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 1020 W LAKE HAMILTON DRIVE?+
Fred G. Garner Academy (elementary), Winter Haven Senior High School (high), Lake Alfred Polytech Academy (middle) — 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
$710,000 runs 196% above the WINTER HAVEN 33881 median — but at 3,428 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 3 days on market in a Winter Haven market that averages 77 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of LOCKHART & ASSOCIATES INC · Tony Insua, Jr. MLS #P4940113.
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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