232 LAKE LUCERNE WAY, WINTER HAVEN, FL, 33881
Active37 days on marketListed Jun 27, 2026MLS #O6416559
About this home
232 LAKE LUCERNE WAY
Welcome to this beautifully maintained home on a generously sized lot in Winter Haven, where thoughtful upgrades and functional spaces make everyday living even better. Inside, you'll find an open, inviting floor plan with spacious living areas, an oversized ceiling fan in the family room, and a well-appointed kitchen featuring granite countertops, abundant cabinetry, and plenty of prep space. The spacious primary suite offers dual vanities, a walk-in shower, and a relaxing retreat at the end of the day. One of the standout features is the finished garage, complete with durable epoxy flooring and its own mini-split A/C system, creating the perfect climate-controlled space for a home gym, workshop, hobby room, or additional entertaining area. The home also includes a whole-home water softener with UV light, pre-wiring for security cameras, and other thoughtful upgrades throughout. Step outside to the large screened-in porch with two ceiling fans and a hot tub, offering the perfect place to unwind or entertain while enjoying the Florida lifestyle year-round. Conveniently located near shopping, dining, parks, and major roadways, this move-in-ready home combines comfort, versatility, and exceptional value.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,965
Sqft
0.21 ac
Lot size
2
Garage
2021
Year built
One
Levels
$153
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.
$2,496 /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
$2,496/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
−13.8%
$/sqft vs Winter Haven actives
$153 vs $170
Days on market
37 vs 42 typical
Where $153/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
$285K → $287K
Winter Haven median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
191 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 22% 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 232 LAKE LUCERNE WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$320,000
120 SUNFISH DRIVE · same community
3 bd · 2 ba · 1,908 sqft · $168/sqft · 13 DOM
Sold · Sep ’25$310,000
501 MCKENNA DRIVE
4 bd · 3 ba · 1,988 sqft · $156/sqft · 12 DOM
Sold · Feb ’26$349,030
556 ITUNA CIRCLE
4 bd · 2.5 ba · 2,029 sqft · $172/sqft · 0 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 232 LAKE LUCERNE WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 232 LAKE LUCERNE WAY — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
232 LAKE LUCERNE WAY FAQs
What would the monthly payment be for 232 LAKE LUCERNE WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,496/mo — principal and interest, the actual property-tax bill, the $92/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 232 LAKE LUCERNE WAY?+
The association fee works out to $92 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 232 LAKE LUCERNE WAY?+
The most recent tax bill on record (2025) was $4,137. 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 232 LAKE LUCERNE WAY?+
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 $299,999, this home is listed about 5% 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 232 LAKE LUCERNE WAY?+
Lake Alfred Polytech Academy (middle), Fred G. Garner Academy (elementary), Winter Haven Senior 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 SERHANT · Claire Jesso. MLS #O6416559.
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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