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Active · Single Family

4099 ISLAND LAKES DRIVE

WINTER HAVEN, FL 33881

Beds
3 beds
Baths
2 baths
Area
1,603 sqft
Single FamilyBuilt 200617,529 sqft lot2-car garageCentralCentral Air$236/sqft503 days on market

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.

RRENA ValiQRENA ValiQ is an estimated value, blended from public sale comps, neighbourhood trend and this listing’s own metrics. It is a reference, not a guaranteed or asking price. The final number moves on diligence, terms and timing.Estimate

Sample estimate — not an appraisal

$394k
+3.9% vs asking
$371k low$417k high

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
Estimated monthly payment$2,566/mo
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.

DateEventPriceChange
Jul 24, 2026Price reduced$379,000−$60,000
Apr 1, 2025Listed$439,000

NeighbourhoodSample data

Reference scores for WINTER HAVEN, FL. Schools, mobility and amenities feed live data once the dedicated provider connection lands.

Walk Score
92/ 100
Very walkable
Transit Score
79/ 100
Excellent transit
Bike Score
51/ 100
Bikeable
Elementary school
Not listed
Not named in the MLS record for this home
Middle school
Not listed
Not named in the MLS record for this home
High school
Not listed
Not named in the MLS record for this home

Location

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