146 LAKE RING DRIVE, WINTER HAVEN, FL, 33884
Active45 days on marketListed Jun 9, 2026MLS #TB8517445
About this home
146 LAKE RING DRIVE
Welcome to your own private retreat! Nestled on a picturesque nearly half-acre lot with beautiful water views, this exceptional pool home offers the perfect blend of privacy, comfort, and Florida living. Start your mornings with coffee overlooking the tranquil water, spend sunny afternoons relaxing in the sparkling screened-in pool, and unwind in the evenings on the expansive covered lanai—an ideal setting for entertaining or simply enjoying the peaceful surroundings. The generous lot provides plenty of space for gardening, outdoor activities, or storing your boat, RV, or recreational toys, all with the added benefit of no HOA restrictions. Whether you're looking for a full-time residence, vacation getaway, or a home with room to spread out, this property offers endless possibilities. Conveniently located in an established Winter Haven community, you'll enjoy easy access to shopping, dining, schools, major roadways, and world-famous LEGOLAND Florida Resort, while still enjoying the serenity of waterfront living. Property Highlights: Beautiful Water Views Sparkling Screened-In Pool Nearly ½-Acre Lot No HOA Expansive Covered & Screened Lanai Plenty of Room for a Boat, RV & Recreational Toys Established Neighborhood Minutes to LEGOLAND, Shopping & Dining Don't miss this rare opportunity to own a home where every day feels like a vacation. Schedule your private showing today! **Home is currently on AirBnb so showings are limited based on bookings ** FREE Incentive: Sellers preferred lender offering a 1-0 temporary rate buydown and/or lender credits up to 1 point for qualified buyers.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,638
Sqft
0.49 ac
Lot size
2
Garage
1976
Year built
One
Levels
$231
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.
$2,899 /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
$2,899/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
+4.3%
$/sqft vs Winter Haven actives
$231 vs $171
Days on market
45 vs 42 typical
Where $231/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 Eloise Woods
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
Eloise Woods — neighborhood snapshot
Population
3,227
Median age
43
Median income
$74,677
Median home value
$296,594
Avg household
3
Households w/ children
305
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)
198 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 31% 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 146 LAKE RING DRIVE
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$333,000
419 BROWARD TERRACE
3 bd · 2 ba · 1,601 sqft · $208/sqft · 95 DOM
Sold · Jun ’26$300,000
237 OKALOOSA DRIVE
3 bd · 2.5 ba · 1,573 sqft · $191/sqft · 2 DOM
Sold · Nov ’25$295,000
104 PASCO ROAD SE
3 bd · 2 ba · 1,747 sqft · $169/sqft · 15 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 146 LAKE RING DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 146 LAKE RING 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
146 LAKE RING DRIVE FAQs
What would the monthly payment be for 146 LAKE RING DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,899/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 146 LAKE RING DRIVE?+
The most recent tax bill on record (2025) was $4,154. 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 146 LAKE RING DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $377,999, this home is listed about 33% 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 146 LAKE RING DRIVE?+
Denison Middle School (middle), Chain Of Lakes Elementary School (elementary), Lake Region 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
$377,999 runs 31% above the WINTER HAVEN 33884 median.
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 $382,999, now $377,999 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Brooke Bass. MLS #TB8517445.
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 146 LAKE RING DRIVE 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 Dan to ping you on any price or status change →