315 LANCEOLATE DRIVE, WINTER HAVEN, FL, 33880
Active6 days on marketListed Jul 13, 2026MLS #L4963490
Come see it
Upcoming open house
Sat, Jul 25
11:00 AM – 2:00 PM
Hosted by Roselyn
About this home
315 LANCEOLATE DRIVE
Saltwater pool. Boat parking. Private community boat ramp. Welcome to 315 Lanceolate Drive, a beautifully updated 4-bedroom, 2-bath home located in the gated community of The Village at Spirit Lake. Inside, you'll find a completely renovated kitchen and beautifully remodeled bathrooms, creating a fresh, modern feel while maintaining a comfortable and functional layout. Step outside to your own private retreat featuring a sparkling saltwater pool, screened lanai, and a fully fenced backyard—perfect for relaxing, entertaining, or enjoying Florida's year-round sunshine. The second bathroom provides direct access to the pool area, adding convenience for family and guests. Need extra space? The garage has been converted into two air-conditioned bonus rooms, offering incredible flexibility for a home office, gym, hobby room, playroom, or additional storage to fit your needs. The extended driveway provides the perfect place to park your boat, and residents of The Village at Spirit Lake enjoy exclusive access to a private community boat ramp on Spirit Lake. The neighborhood also features a brand-new playground, pickleball courts, a basketball court, clubhouse, gated entrance, and a very reasonable HOA. Ideally located just minutes from the Polk Parkway, commuting to Lakeland, Tampa, or Orlando is a breeze. The home is also located in unincorporated Polk County, allowing you to enjoy the benefit of county taxes only. Conveniently close to shopping, dining, schools, and Legoland Florida Resort, this move-in-ready home offers the perfect blend of updated finishes, flexible living space, and the Florida lifestyle you've been looking for. Schedule your private showing today and discover everything this exceptional home has to offer.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,153
Sqft
0.26 ac
Lot size
2
Garage
1998
Year built
One
Levels
$227
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.
$3,770 /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
$3,770/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
+27.4%
$/sqft vs Winter Haven actives
$227 vs $171
Days on market
6 vs 42 typical
Where $227/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
Get to know Winter Haven. See the full Winter Haven guide →
WINTER HAVEN 33880 — neighborhood snapshot
Population
42,336
Median age
36.5
Median income
$56,803
Median home value
$200,900
Avg household
2.8
Households w/ children
5,516
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)
207 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 117% above the WINTER HAVEN 33880 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 315 LANCEOLATE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$285,000
3232 SPIRIT LAKE ROAD
4 bd · 2 ba · 2,144 sqft · $133/sqft · 4 DOM
Sold · Oct ’25$369,000
149 GRADY POLK ROAD
3 bd · 2 ba · 2,143 sqft · $172/sqft · 159 DOM
Sold · Jan ’26$279,900
841 SUN RIDGE VILLAGE DRIVE
4 bd · 2 ba · 2,108 sqft · $133/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
Jessica Torres
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 315 LANCEOLATE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 315 LANCEOLATE DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Jessica's phone and CRM.
Straight answers
315 LANCEOLATE DRIVE FAQs
What would the monthly payment be for 315 LANCEOLATE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,770/mo — principal and interest, the actual property-tax bill, the $79/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 315 LANCEOLATE DRIVE?+
The association fee works out to $79 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 315 LANCEOLATE DRIVE?+
The most recent tax bill on record (2025) was $5,234. 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 315 LANCEOLATE DRIVE?+
The listing reports pets: No. 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 $489,000, this home is listed about 72% 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 315 LANCEOLATE DRIVE?+
Westwood Middle School (middle), Lake Region High School (high), Clarence Boswell Elementary School (elementary) — 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
$489,000 runs 117% above the WINTER HAVEN 33880 median — but at 2,153 sqft it's also 30% larger than the typical Winter Haven listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 6 days on market in a Winter Haven market that averages 42 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of LA ROSA REALTY PRESTIGE · Veronica Bard. MLS #L4963490.
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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