4604 CRYSTAL BEACH ROAD, WINTER HAVEN, FL, 33880
Active4 days on marketListed Jul 20, 2026MLS #O6426451
About this home
4604 CRYSTAL BEACH ROAD
If you've been waiting for a home on Crystal Beach Road, you already know they don't come available very often. It's one of those roads where neighbors wave, the pace slows down just enough, and people tend to stay for a long time. Now, here's your opportunity. Nestled on 1.5 beautiful acres with NO HOA, this property gives you the freedom to spread out, enjoy your space, and finally have room for all those hobbies you've been telling yourself you'll start someday. (Good news... the greenhouse is already here.) Sellers are also offering up to $10,000 in closing cost assistance for buyers. SCORE! Major updates include a new roof (2020), freshly painted siding (2021), storage sheds with tie-downs (2021), a complete water system (2023), garage door opener and motor (2024), and a brand-new A/C (2025). Septic system Cleaned and inspected (2024), giving you confidence that the big-ticket items have already been addressed. Inside, you'll find luxury vinyl plank flooring throughout, large closets, convenient attic storage, and an oversized garage with plenty of room for vehicles, tools, toys, or that workshop you've always wanted. And the extras? They're the kind buyers love because they're already here. The washer and dryer stay, the ride-on mower stays (your back says thank you), the greenhouse stays, and the property is equipped with a whole-home propane generator, so when everyone else is hoping the lights come back on, you'll simply keep living life. Florida weather? You're ready. Hurricane shutters for every window offer added protection and peace of mind when storm season rolls around. This isn't just another house with acreage—it's a home that's been cared for, thoughtfully updated, and prepared for its next chapter. Whether you're sipping coffee as the sun rises over your property, working in the greenhouse, tinkering in the oversized garage, or simply enjoying the quiet that comes with country living, this is the kind of place that feels like home the moment you pull into the driveway. Homes on Crystal Beach Road are rare for a reason. Come see why... and don't be surprised if you find yourself wanting to stay.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,258
Sqft
1.54 ac
Lot size
2
Garage
1975
Year built
One
Levels
$286
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.
$2,547 /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
$2,547/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
+2.4%
$/sqft vs ACREAGE
$286 vs $341
Days on market
4 vs 42 typical
Where $286/sqft sits among the 151 homes for sale in ACREAGE
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 33880 — neighborhood snapshot
Population
42,336
Median age
36.5
Median income
$56,803
Median home value
$200,900
Avg household
2.8
Households w/ children
5,516
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)
62 of 151
ACREAGE have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 60% above the WINTER HAVEN 33880 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 4604 CRYSTAL BEACH ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$140,000
1322 SHADY COVE ROAD W · same community
2 bd · 1.5 ba · 1,248 sqft · $112/sqft · 7 DOM
Sold · Dec ’25$92,000
4769 CARL BOOZER ROAD · same community
3 bd · 2 ba · 1,248 sqft · $74/sqft · 24 DOM
Sold · Jun ’26$200,000
1314 ROBIE AVENUE · same community
3 bd · 1.5 ba · 1,225 sqft · $163/sqft · 84 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 4604 CRYSTAL BEACH ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4604 CRYSTAL BEACH ROAD — 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
4604 CRYSTAL BEACH ROAD FAQs
What would the monthly payment be for 4604 CRYSTAL BEACH ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,547/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 4604 CRYSTAL BEACH ROAD?+
The most recent tax bill on record (2025) was $1,298. 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 $360,000, this home is listed about 26% 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 4604 CRYSTAL BEACH ROAD?+
Westwood Middle School (middle), Lake Region High School (high), Clarence Boswell Elementary School (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of NEARBY REALTY · Michael Ellingson. MLS #O6426451.
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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