3221 OAK TREE LANE, WINTER HAVEN, FL, 33884
Active4 days on marketListed Jul 20, 2026MLS #P4939356
About this home
3221 OAK TREE LANE
"A Step Above the Rest" describes this beautifully updated 3BR/2BA home w/ upgrades galore located on a quiet dead-end street in the Oakgrove part of the desirable Cypresswood Golf & Country Club community! This impeccably maintained home has lush landscaping & extensive curb appeal & offers an open concept with split bedrooms, volume ceilings, crown molding, plantation shutters & luxury wood laminate flooring throughout accompanied with lovely new tile flooring in the bathrooms. The inviting formal living & dining areas are adorned with arched entryways that lead into the remodeled kitchen & the spacious great room that boasts a tray ceiling & triple sliders leading to the large screened lanai. The lovely kitchen has updated cabinets with a new tile backsplash & pretty granite countertops w/ a waterfall edge, a bi-level breakfast bar, a pantry closet & it comes fully equipped with all of the upgraded appliances. The primary suite has a tray ceiling, sliders leading to the screened lanai, & a nice sized walk-in closet. The remodeled primary bath has duo vanities & sinks w/ quartz countertops & a nicely tiled step-in shower w/ a sleek glass enclosure. The hallway bathroom has also been remodeled & features a new vanity w/ quartz countertop & a freshly tiled tub & shower combo & it's conveniently located between the 2nd and 3rd bedrooms. You'll really love the large, extended screened lanai w/ it's stylish "brick looking" tiled floor, a remote controlled sun shade, doggy doorway options & it's all overlooking the beautifully landscaped privacy fenced back yard making it the perfect place for entertaining. There's even an extra covered patio w/ a gas line for your grill! Additional features include an inside laundry room, a double car garage, a whole-house gas generator, new hurricane windows in the formal areas plus hurricane shutters for all the other windows, custom honey comb shades on all the sliders & plantation shutters throughout! The roof & A/C system are both only about 4 years old! The 24 hour guard gated Cypresswood community features an 18-hole championship golf course, a wonderful clubhouse w/ pub/restaurant, fitness room, pro shop, junior Olympic swimming pool, pickle ball, tennis courts & more! Conveniently located near shopping, restaurants, medical, the new Publix & Legoland. Located in the heart of Central Florida between Orlando & Tampa and just minutes from Highway 27 leading to the I-4 corridor & all major attractions! All measurements are approximate & all info should be confirmed by buyer.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,722
Sqft
0.17 ac
Lot size
2
Garage
2004
Year built
One
Levels
$203
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.
$2,921 /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
$2,921/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
+10%
$/sqft vs Winter Haven actives
$203 vs $171
Days on market
4 vs 42 typical
Where $203/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
$285K → $287K
Winter Haven median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
194 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 21% 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 3221 OAK TREE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$295,000
3306 OAK HILL PLACE · same community
3 bd · 2 ba · 1,722 sqft · $171/sqft · 21 DOM
Sold · Feb ’26$235,000
3201 OAK TREE LANE · same community
3 bd · 2 ba · 1,376 sqft · $171/sqft · 58 DOM
Sold · Jul ’26$330,000
3322 OAK HILL PLACE · same community
3 bd · 2 ba · 2,109 sqft · $156/sqft · 38 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 3221 OAK TREE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3221 OAK TREE LANE — 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
3221 OAK TREE LANE FAQs
What would the monthly payment be for 3221 OAK TREE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,921/mo — principal and interest, the actual property-tax bill, the $148/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 3221 OAK TREE LANE?+
The association fee works out to $148 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3221 OAK TREE LANE?+
The most recent tax bill on record (2025) was $4,783. 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 3221 OAK TREE LANE?+
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 $349,900, this home is listed about 23% 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 3221 OAK TREE LANE?+
Elbert Elementary School (elementary), Winter Haven Senior High School (high), Denison Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of JULIE MATTHEWS GROUP LLC · Kennedy Matthews. MLS #P4939356.
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.
Never miss a listing
New Winter Haven homes, in your inbox
Like 3221 OAK TREE LANE but not quite? A daily digest of every new listing in Winter Haven — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Kat to ping you on any price or status change →