228 W LAKE INA DRIVE, WINTER HAVEN, FL, 33884
Active7 days on marketListed Aug 4, 2026MLS #L4963984
About this home
228 W LAKE INA DRIVE
Virtually Staged. Welcome to lakefront living on beautiful Lake Ina in Winter Haven! This 3 bedroom, 4 bathroom pool home with NO HOA offers generously sized bedrooms, wood flooring throughout the living areas and bedrooms, and tile in the kitchen and bathrooms. The kitchen features granite countertops, wood cabinetry, a tile backsplash and a convenient breakfast bar. Two of the bathrooms showcase charming retro styling, adding unique character to the home. Two large picture windows frame peaceful lake views and fill the interior with natural light. Step outside and experience the Florida waterfront lifestyle, with opportunities to spend your days boating, fishing, water skiing or simply relaxing by the water and enjoying the views. Designed for outdoor living and entertaining, the property includes a covered deck, covered patio, outdoor kitchen, outdoor shower and a large swimming pool surrounded by an impressive 57 by 63 foot paver patio, along with a pool bath. Whether hosting poolside gatherings, launching out for a day on the lake or unwinding by the water at sunset, this home offers a true lakefront retreat!
Facts & features
The home at a glance
3
Bedrooms
4
Bathrooms
1,675
Sqft
0.42 ac
Lot size
1
Garage
1956
Year built
One
Levels
$242
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.
$3,037 /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
$3,037/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
$242 vs $170
Days on market
7 vs 49 typical
Where $242/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)
200 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 42% 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 228 W LAKE INA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$180,000
132 TERRACE DRIVE · same community
3 bd · 2 ba · 1,351 sqft · $133/sqft · 120 DOM
Sold · Dec ’25$270,000
5536 TAVERNA LOOP
3 bd · 2 ba · 1,615 sqft · $167/sqft · 0 DOM
Sold · Oct ’25$333,000
419 BROWARD TERRACE
3 bd · 2 ba · 1,601 sqft · $208/sqft · 95 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
Linda Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 228 W LAKE INA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 228 W LAKE INA DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Linda's phone and CRM.
Straight answers
228 W LAKE INA DRIVE FAQs
What would the monthly payment be for 228 W LAKE INA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,037/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 228 W LAKE INA DRIVE?+
The most recent tax bill on record (2025) was $3,764. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Winter Haven?+
At $405,000, this home is listed about 42% 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 228 W LAKE INA 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
$405,000 runs 42% 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.
03Fresh on the market
Only 7 days on market in a Winter Haven market that averages 49 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY · Casandra Vann. MLS #L4963984.
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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