4099 ISLAND LAKES DRIVE
WINTER HAVEN, FL 33881
About this home
One or more photo(s) has been virtually staged. NEW ROOF 2/9/2026 + $10K PRICE IMPROVEMENT on 7/24! Now offered at another improved price, this waterfront home on Lake Rochelle delivers the best value currently available on the Winter Haven Chain of Lakes. Located in the desirable Island Lakes community, this well-maintained 3-bedroom, 2-bath home combines lakefront living, major recent updates, and everyday functionality. A brand new roof was installed in February 2026, offering added peace of mind and potential insurance advantages for the next owner. Fresh landscaping and new sod create excellent curb appeal, while the open split-bedroom floorplan provides comfortable living with beautiful natural light throughout. The spacious primary suite overlooks the water and includes a private bath and walk-in closet. The living and dining areas flow easily into the kitchen, making the home ideal for entertaining, weekend guests, or simply enjoying the lake lifestyle. Step outside and enjoy direct access to the Chain of Lakes with boating, fishing, kayaking, and sunset views right from your backyard. Conveniently located near shopping, dining, medical facilities, and major roadways while still offering a peaceful waterfront setting. Whether you’re looking for a primary residence, winter retreat, or investment opportunity, this property checks all the boxes for Florida lakefront living. Schedule your private showing today.
Facts & features
Interior
- Bedrooms
- 3
- Bathrooms
- 2
- Living area
- 1,603 sqft
- Heating
- Central
- Cooling
- Central Air
- Flooring
- Laminate
- Stories
- 1
- Features
- Cathedral Ceiling(s), Ceiling Fans(s), In Wall Pest System, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan…
- Appliances
- Dishwasher, Microwave, Range, Refrigerator
Exterior & lot
- Lot size
- 17,529 sqft (0.4 ac)
- Waterfront
- Yes
- Roof
- Shingle
- Construction
- Block, Stucco
- Exterior
- Lighting
Parking
- Garage
- 2 spaces
Financial
- HOA dues
- $50 / quarterly
- Annual tax
- $5,194 (2024)
- Price / sqft
- $236/sqft
Utilities
- Water
- Public
- Sewer
- Public Sewer
- Utilities
- Electricity Connected, Water Connected
Property
- Property type
- Single Family
- Year built
- 2006
- Subdivision
- ISLAND LAKES
- County
- Polk
Listing
- Status
- Active
- Days on market
- 479 days
- MLS #
- MFR754503514
- Source
- Stellar MLS
Listed by Don Jerue · KELLER WILLIAMS REALTY SMART 1
Listing data provided by Stellar MLS. Information deemed reliable but not guaranteed.
Sample estimate — not an appraisal
Based on 23 comparable sales within 4 miles of WINTER HAVEN, FL, this home is priced under RENA ValiQ.
Reference only. Estimates blend public sale comps, neighbourhood trend and the listing’s own metrics. Final price moves on diligence, terms and timing — RENA is your second read, not your agent.
Estimate your monthly cost
PITI + HOA- Principal & interest
- $1,916/mo
- Property tax
- $433/mo
- Home insurance
- $200/mo
- HOA dues
- $17/mo
Opens at 20% down over 30 years at 6.5%, the same assumptions as the answers below. Property tax is this listing's own bill; insurance is left out until you enter a quote, because Florida premiums turn on roof age, elevation and carrier. Every field is editable.
Ask about this property
Answered from this listing’s own figures and the sales around it.
Price history
From the property’s MLS record.
| Date | Event | Price | Change |
|---|---|---|---|
| Jul 24, 2026 | Price reduced | $379,000 | −$60,000 |
| Apr 1, 2025 | Listed | $439,000 | — |
NeighbourhoodSample data
Reference scores for WINTER HAVEN, FL. Schools, mobility and amenities feed live data once the dedicated provider connection lands.
Location
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