340 VAIL DRIVE, WINTER HAVEN, FL, 33884
Active176 days on marketListed Jan 29, 2026MLS #S5142678
About this home
340 VAIL DRIVE
Virtually Staged. Beautifully updated home tucked away on a quiet cul-de-sac in the well-established Cedar Cove community, just moments from the scenic shores of Lake Eloise. Set on over a quarter-acre lot, this property offers more than 2,000 sq ft of thoughtfully designed living space, featuring 3 bedrooms, 3 full bathrooms, and an enclosed bonus room that can easily function as a 4th bedroom. Inside, bright formal living and dining areas flow effortlessly into a spacious open-concept kitchen, recently remodeled with granite countertops, modern shaker-style cabinetry, and stainless steel appliances. Dual breakfast bars overlook the inviting family room and dining space, creating the perfect setup for entertaining or everyday living. The family room impresses with soaring ceilings and a striking stone wood-burning fireplace, while luxury vinyl plank flooring and upgraded bathroom vanities elevate the home’s style throughout. A convenient third full bath located near the laundry area is ideal for guests or for future pool-day use, just imagine the possibilities. Step out onto the screened porch and enjoy a generously sized backyard—perfect for gatherings or peaceful relaxation. Additional highlights include an oversized garage with ample storage and workspace, brand-new windows for enhanced energy efficiency and natural light, plus a newer roof and A/C system for added peace of mind. Ideally located near local amenities, downtown Winter Haven, and Legoland, with world-famous theme parks just 40 miles away, this home truly has it all. Don’t miss this rare opportunity to own a standout home in one of Winter Haven’s most desirable neighborhoods!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,042
Sqft
0.28 ac
Lot size
2
Garage
1984
Year built
One
Levels
$179
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.
$2,816 /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
$2,816/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
+29.2%
$/sqft vs Winter Haven actives
$179 vs $171
Days on market
176 vs 42 typical
Where $179/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)
199 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 27% 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 340 VAIL DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$321,990
2739 SAN MARCO WAY
4 bd · 2.5 ba · 2,068 sqft · $156/sqft · 141 DOM
Sold · Feb ’26$349,990
2799 SAN MARCO WAY
4 bd · 2.5 ba · 2,068 sqft · $169/sqft · 0 DOM
Sold · Oct ’25$319,990
2743 SAN MARCO WAY
4 bd · 2.5 ba · 1,909 sqft · $168/sqft · 37 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 340 VAIL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 340 VAIL DRIVE — 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
340 VAIL DRIVE FAQs
What would the monthly payment be for 340 VAIL DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,816/mo — principal and interest, the actual property-tax bill, the $17/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 340 VAIL DRIVE?+
The association fee works out to $17 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 340 VAIL DRIVE?+
The most recent tax bill on record (2025) was $3,946. 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 340 VAIL DRIVE?+
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 $365,000, this home is listed about 28% 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 340 VAIL DRIVE?+
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 EXIT REALTY 4CORNERS · Carlos DeJesus. MLS #S5142678.
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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