9469 WATERFORD OAKS DRIVE, WINTER HAVEN, FL, 33884
Active14 days on marketListed Aug 20, 2026MLS #TB8540975
About this home
9469 WATERFORD OAKS DRIVE
Welcome to 9469 Waterford Oaks Drive, a beautifully maintained and spacious custom built home offering an exceptional combination of comfort, privacy, upgrades, and Florida living in the highly desirable, gated community of Waterford Oaks! A pavered, circular driveway provides an impressive approach to the home with plenty of space for vehicles and guests. Inside, the home features soaring ceilings, elegant archways, crown molding, custom built-ins, a beautiful fireplace, and generous living spaces throughout. The grand primary suite is a true private retreat, featuring two walk-in closets and an expansive primary bath with dual vanity areas, extensive cabinetry, and a large walk-in shower. A dedicated home office with custom built-in cabinetry and bookshelves provides an ideal work-from-home space. Upstairs offers even more flexibility with a large second living room/loft, spacious bedroom, and full bathroom—perfect for guests, family, or a private secondary living area. Outside, enjoy a private screened pool and hot tub/spa with a new spa heater, surrounded by an expansive pool deck with plenty of room for multiple outdoor seating and dining areas. The covered lanai features a high-end built-in outdoor grilling system with a direct gas connection, creating an exceptional space for entertaining year-round. Recent improvements include a new roof, new exterior paint, new hot tub/spa heater, full app-controlled pool automation system, Tesla charger installed in the garage, and multiple filtered-water systems throughout the home. A community boat ramp and dock on Lake Winterset on the Winter Haven Chain of Lakes is just a short distance away. With its spacious floor plan, grand primary suite, private upstairs living area, home office, fireplace, pool and spa, expansive outdoor entertaining space, and extensive recent upgrades, 9469 Waterford Oaks Drive is move-in ready and designed to enjoy the Florida lifestyle.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,648
Sqft
0.37 ac
Lot size
3
Garage
2002
Year built
Two
Levels
$225
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.
$5,761 /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
$5,761/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
+7.6%
$/sqft vs Winter Haven actives
$225 vs $169
Days on market
14 vs 48 typical
Where $225/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)
211 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 193% 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 9469 WATERFORD OAKS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$730,000
9506 WATERFORD OAKS BOULEVARD · same community
4 bd · 3 ba · 3,428 sqft · $213/sqft · 7 DOM
Sold · May ’26$799,000
9468 WATERFORD OAKS DRIVE · same community
4 bd · 4 ba · 2,905 sqft · $275/sqft · 44 DOM
Sold · Apr ’26$350,000
2651 SAN MARCO WAY
5 bd · 3.5 ba · 3,200 sqft · $109/sqft · 71 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 9469 WATERFORD OAKS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9469 WATERFORD OAKS DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9469 WATERFORD OAKS DRIVE FAQs
What would the monthly payment be for 9469 WATERFORD OAKS DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,761/mo — principal and interest, the actual property-tax bill, the $188/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 9469 WATERFORD OAKS DRIVE?+
The association fee works out to $188 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9469 WATERFORD OAKS DRIVE?+
The most recent tax bill on record (2025) was $8,173. 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 9469 WATERFORD OAKS DRIVE?+
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 $819,900, this home is listed about 188% 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 9469 WATERFORD OAKS 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 KELLER WILLIAMS ST PETE REALTY · Zach Zehnder. MLS #TB8540975.
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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