Kat Bonelli
$634,900$649,9004 bd3 ba3,619 sqft$175 /sqft$4,540 /mo all-in ↓

530 SANCTUARY BOULEVARD, WINTER HAVEN, FL, 33881

Active162 days on marketListed Feb 21, 2026MLS #S5144344

Reduced $15KSingle Family ResidenceSANCTUARY BY THE LAKE PH ONE

About this home

530 SANCTUARY BOULEVARD

Welcome to this exceptional custom-built 2023 luxury residence located within the gated community of Sanctuary by the Lake, where modern elegance, thoughtful design, & everyday comfort come together seamlessly. Perfectly positioned on a spacious corner lot directly across from the lake, this stunning home immediately impresses with its commanding presence & refined architectural detail. Step through the beautiful double front doors & experience an immediate sense of openness, highlighted by soaring ceilings, abundant natural light, & expansive living spaces designed to feel both grand & inviting. With over 3,600 square feet of living space, the thoughtfully designed open layout effortlessly connects formal & casual living areas, creating an ideal setting for both entertaining & relaxed daily living. At the heart of the home lies a beautifully appointed chef’s kitchen, featuring Granite countertops, upgraded Stainless-Steel appliances, a breakfast bar, walk-in pantry & a generous prep space, perfect for hosting gatherings or enjoying quiet mornings at home. The kitchen flows naturally into the impressive great room & dining areas, enhancing the home’s seamless indoor living experience. One of the standout features is the oversized covered and enclosed Florida room, custom added by the owners to extend the living space year-round. Whether hosting celebrations, entertaining guests, or simply unwinding while enjoying peaceful surroundings, this space truly elevates the lifestyle this home offers. Designed with privacy in mind, the desirable triple split floor plan includes 4 spacious bedrooms, 3 full bathrooms & a dedicated private office, ideal for remote work or flexible living needs. The luxurious primary suite serves as a private retreat, complete with dual vanities, a garden tub, separate walk-in shower, makeup vanity & a very generous walk-in closet. Beautiful luxury vinyl plank flooring flows throughout the main living areas, complemented by tasteful finishes & quality craftsmanship that reflect the home’s custom construction. A well-equipped laundry room with cabinetry, countertop workspace & sink adds everyday convenience. A 50-amp generator port was added for peace of mind. Beyond the home itself, the location offers the best of Central Florida living. Just minutes from downtown Winter Haven, residents enjoy award-winning restaurants, local boutiques, parks & year-round entertainment, while nearby access to Lakeland & I-4 provides an easy commute to both Tampa and Orlando. Florida’s Atlantic and Gulf beaches are approximately 90 minutes away, making weekend coastal escapes effortlessly accessible. This is more than a home, it is a refined living experience combining space, luxury, and lifestyle within one of Winter Haven’s most desirable gated communities.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

3,619

Sqft

0.28 ac

Lot size

2

Garage

2023

Year built

One

Levels

$175

Per sqft

Pets allowed

Inside

FlooringCeramic Tile · Luxury Vinyl
AppliancesDishwasher · Electric Water Heater · Microwave · Range
InteriorCeiling Fan(s) · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air · Mini-Split Unit(s)
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesNortheast
ParkingDriveway · Garage Door Opener · Oversized
ExteriorFrench Doors · Irrigation System · Private Yard

Community & fees

HOA fee$83/mo
Taxes (2025)$7,594/yr
PetsYes
CommunityCommunity Mailbox · Deed Restrictions · Gated Community - No Guard · Irrigation-Reclaimed Water · Playground · Sidewalks

Utilities & systems

UtilitiesCable Available · Electricity Connected · Public · Sewer Connected · Underground Utilities · Water Connected
WaterPublic

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.

$4,540 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,426
PMI (est., until 20% equity)$238
Property tax — 2025 actual bill$633
HOA fee — from the listing$83
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $63,490Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $63,490
Interest rate6.00%
Loan term

Estimated payment

$4,540/mo

Principal & interest$3,426
PMI (est., until 20% equity)$238
Property taxes (actual bill)$633
HOA / condo fee$83
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

$/sqft vs Winter Haven actives

$175 vs $170

Days on market

162 vs 42 typical

Where $175/sqft sits among the 400 Winter Haven actives

48
54
115
107 · this home
33
43
$100–125$125–149$149–174$174–199$199–223$223+

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

Map of 530 SANCTUARY BOULEVARD

Drive times from this address

Walt Disney World37 min
Universal Orlando47 min
Downtown Orlando53 min
Orlando Int’l Airport (MCO)58 min
Downtown Tampa58 min
Tampa Int’l Airport (TPA)69 min

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

MiddleLake Alfred Polytech Academy★★★★
ElementaryFred G. Garner Academy★★★★
HighWinter Haven Senior High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Winter Haven market

Seller’s marketBalanced6.5 months of inventoryBuyer’s 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 159% above the WINTER HAVEN 33881 median. See the full Winter Haven market guide →

Paper trail

This home's history

CurrentPrice reduced to $634,900 $15K
Feb 21, 2026Listed at $649,900 · 162 days on market since
2023Built · SANCTUARY BY THE LAKE PH ONE

Reality check

What actually sold near 530 SANCTUARY BOULEVARD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3723 OSBORN HARBOR LNSold · Mar ’26

$633,000

3723 OSBORN HARBOR LN

4 bd · 3.5 ba · 3,454 sqft · $183/sqft · 115 DOM

184 LAKE SMART CIRCLESold · Aug ’25

$350,000

184 LAKE SMART CIRCLE

4 bd · 2.5 ba · 2,944 sqft · $119/sqft · 104 DOM

521 SANCTUARY BOULEVARDSold · Dec ’25

$610,000

521 SANCTUARY BOULEVARD

4 bd · 3 ba · 2,827 sqft · $216/sqft · 50 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.

Kat Bonelli

Your agent

Kat Bonelli

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 530 SANCTUARY BOULEVARD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 530 SANCTUARY BOULEVARD — 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.

Goes straight to Kat’s phone and CRM.

Straight answers

530 SANCTUARY BOULEVARD FAQs

What would the monthly payment be for 530 SANCTUARY BOULEVARD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,540/mo — principal and interest, the actual property-tax bill, the $83/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 530 SANCTUARY BOULEVARD?+

The association fee works out to $83 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 530 SANCTUARY BOULEVARD?+

The most recent tax bill on record (2025) was $7,594. 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 530 SANCTUARY BOULEVARD?+

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 $634,900, this home is listed about 123% 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 530 SANCTUARY BOULEVARD?+

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.

The brief

Three things that matter here

01Positioned at the premium end

$634,900 runs 159% above the WINTER HAVEN 33881 median — but at 3,619 sqft it's also nearly twice the size of the typical Winter Haven listing.

02Time on market is leverage

162 days on market against a Winter Haven median of 42 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $649,900, now $634,900 — a $15K cut. The full history is in the market section below.

Listing courtesy of RE/MAX HERITAGE PROFESSIONALS · Patricia De Graaff, Llc. MLS #S5144344.

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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