2600 LUCERNE PARK ROAD UNIT 521, WINTER HAVEN, FL, 33881
Active65 days on marketListed Jun 5, 2026MLS #P4938931
About this home
2600 LUCERNE PARK ROAD UNIT 521
Located in the highly desirable 55+ community of Lake Point Landing, this charming 2-bedroom, 2-bath waterfront townhome offers direct views of beautiful Lake Smart and access to Winter Haven’s renowned Chain of Lakes. Upon arrival, you’re welcomed by a covered front porch and a glass storm door. Inside, the open-concept floor plan features a spacious living room enhanced by vaulted ceilings, transom windows, and sliding glass doors that showcase stunning lakefront views. The galley-style kitchen features wood laminate flooring, a stainless steel appliance package, and cream-colored cabinetry accented by brushed nickel hardware that perfectly complements the granite countertops. A charming garden window above the sink provides the ideal space for growing fresh herbs. Adjacent to the kitchen is a cozy dining area, perfect for casual meals and entertaining. Space-saving pocket doors lead to the primary bedroom suite, which offers beautiful waterfront views, chair rail molding, laminate wood flooring, and sliding glass doors that open to the screened lanai. The primary en-suite bathroom includes a vanity adorned with granite countertops, a linen closet, and a walk-in shower equipped with safety grab bars. Outdoor living is a true highlight of this home. The screened-in lanai provides breathtaking views of Lake Smart and serves as the perfect setting for relaxing, enjoying your morning coffee, or entertaining guests while taking in the tranquil waterfront scenery. Additional Features Guest bedroom and guest bathroom Washer and dryer included Architectural shingle roof (2023) AC system (2022) with a 10-year transferable warranty Community Amenities Low monthly HOA fees of $345 include: Lakefront community clubhouse Screened-in swimming pool Lawn maintenance Sewer and trash service Boat dock and boat slips available on first come basis Nestled along the shores of Lake Smart, this lovely home offers a peaceful waterfront lifestyle while remaining conveniently close to shopping, restaurants, and Willowbrook Golf Course.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
845
Sqft
0.05 ac
Lot size
1986
Year built
One
Levels
$188
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.
$1,598 /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
$1,598/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.
$/sqft vs Winter Haven actives
$188 vs $170
Days on market
65 vs 48 typical
Where $188/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
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
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 35% below the WINTER HAVEN 33881 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 2600 LUCERNE PARK ROAD UNIT 521
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$180,000
895 1ST STREET
2 bd · 1 ba · 672 sqft · $268/sqft · 6 DOM
Sold · Sep ’25$250,000
1013 CAREFREE COVE DRIVE
3 bd · 1.5 ba · 1,025 sqft · $244/sqft · 27 DOM
Sold · Jun ’26$142,500
283 WINTER RIDGE BOULEVARD UNIT 283
2 bd · 2 ba · 1,073 sqft · $133/sqft · 26 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
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2600 LUCERNE PARK ROAD UNIT 521 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2600 LUCERNE PARK ROAD UNIT 521 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Dan's phone and CRM.
Straight answers
2600 LUCERNE PARK ROAD UNIT 521 FAQs
What would the monthly payment be for 2600 LUCERNE PARK ROAD UNIT 521?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,598/mo — principal and interest, the actual property-tax bill, the $345/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 2600 LUCERNE PARK ROAD UNIT 521?+
The association fee works out to $345 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2600 LUCERNE PARK ROAD UNIT 521?+
The most recent tax bill on record (2025) was $1,035. 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 2600 LUCERNE PARK ROAD UNIT 521?+
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 $159,000, this home is listed about 44% below the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2600 LUCERNE PARK ROAD UNIT 521?+
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
01Under the WINTER HAVEN 33881 market on paper
$159,000 is 35% below the WINTER HAVEN 33881 median of $245,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $169,000, now $159,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 MYERS REALTY LAKE WALES · Eileen Belanger. MLS #P4938931.
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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