125 LAKE ROY DRIVE, WINTER HAVEN, FL, 33884
Active1 days on marketListed Aug 14, 2026MLS #S5155661
About this home
125 LAKE ROY DRIVE
Lawn Care & Pool Maintenance Included** Welcome to 125 Lake Roy Drive—a move-in-ready lakefront rental estate that perfectly captures the Florida lifestyle with luxury, comfort, and breathtaking lake views. Nestled on a beautifully landscaped lot with ample parking for vehicles, boats, and RVs, this single-level pool home offers unmatched convenience and flexibility for waterfront living. Ideally positioned on the prestigious South Chain of Lakes, the property features panoramic water views, a private boat dock with lift, a new jet ski dock, and nightly front-row seats to the LEGOLAND fireworks. With direct access to more than a dozen interconnected lakes, this home delivers an exceptional opportunity to enjoy resort-style living every day. Inside, you’ll find a custom-designed kitchen with solid wood cabinetry, granite countertops, and modern finishes. Both ensuite bathrooms have been tastefully renovated, complementing the home’s open, light-filled layout. Recent updates include a new HVAC system, fresh interior paint, new flooring, upgraded trim, and a refreshed pool system for easy maintenance. The floor plan offers elegance and functionality, featuring a private primary suite and a spacious guest suite with direct pool access—ideal for visitors or extended family. A cozy wood-burning fireplace anchors the living area, which opens to the lanai through multiple sets of glass doors for seamless indoor-outdoor living. A bright sunroom and palm-lined courtyard offer peaceful spaces to relax and take in the lakefront scenery. Complete with two garages, a carport, and a fenced backyard, this property provides plenty of room for storage and recreation. Conveniently located near shopping, dining, and downtown Winter Haven—with easy access to Highway 27, the Polk Parkway, and I-4—this home combines privacy, convenience, and true lakefront luxury. Evening showings are encouraged to experience the spectacular sunsets over Lake Roy, best enjoyed from the comfort of your private poolside retreat. (Qualifications: 2.5x Rent in Gross Income / No Prior Evictions / Pass Background & Credit Check).
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,900
Sqft
0.45 ac
Lot size
3
Garage
1950
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$186 /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
$186/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$2 vs $169
Days on market
1 vs 49 typical
Where $2/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
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
212 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 99% below the WINTER HAVEN 33884 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 125 LAKE ROY 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$565,000
125 LAKE ROY DRIVE · same community
3 bd · 3 ba · 1,900 sqft · $297/sqft · 34 DOM
Sold · Jan ’26$358,000
111 BEVERLY DRIVE · same community
4 bd · 2 ba · 1,977 sqft · $181/sqft · 187 DOM
Sold · Aug ’26$294,000
430 HILLCREST DRIVE SE · same community
3 bd · 2 ba · 1,594 sqft · $184/sqft · 55 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
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 125 LAKE ROY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 125 LAKE ROY DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Elizabeth's phone and CRM.
Straight answers
125 LAKE ROY DRIVE FAQs
What would the monthly payment be for 125 LAKE ROY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $186/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 125 LAKE ROY 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 $3,600, this home is listed about 99% below the Winter Haven median of $284,995. The market section on this page shows how the area is trending.
Which schools are assigned to 125 LAKE ROY 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
01Under the WINTER HAVEN 33884 market on paper
$3,600 is 99% below the WINTER HAVEN 33884 median of $283,900, and at $2/sqft it sits under the Winter Haven average of $173.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 1 day on market in a Winter Haven market that averages 49 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of LA ROSA REALTY KISSIMMEE · Daniel Fernandez. MLS #S5155661.
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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