651 HART LAKE DRIVE, WINTER HAVEN, FL, 33884
Active2 days on marketListed Aug 7, 2026MLS #L4964010
Come see it
Upcoming open house
Sun, Aug 9
10:00 AM – 2:00 PM
About this home
651 HART LAKE DRIVE
Welcome to this beautifully maintained 4-bedroom, 3-bath pool home located in the highly sought-after gated community of Hart Lake Hills. Offering the perfect blend of comfort, efficiency, and Florida living, this home is designed for both everyday enjoyment and effortless entertaining.Step inside to an open and inviting floor plan featuring a spacious kitchen with stainless steel appliances, a gas range, abundant cabinetry, and plenty of counter space overlooking the main living areas. The generous primary suite provides a relaxing retreat with a well-appointed ensuite bath, while the split-bedroom layout offers added privacy for family and guests. Outside, enjoy the screen-enclosed saltwater pool and expansive lanai overlooking the large, fully fenced backyard. The outdoor space has also been thoughtfully updated with pavers installed on the back deck in 2019, the pool remarcited in 2019, and a new pool pump and salt cells added in 2024. Additional updates and features include a roof installed in 2017, A/C installed in 2019, fresh interior paint in 2020, a whole-home Generac generator, gas hot water heater, and solar panels for added energy efficiency and peace of mind. Perfectly situated near schools, shopping, dining, LEGOLAND Florida Resort, and Highway 27, this home offers convenient access to everything Central Florida has to give while tucked away in one of the area's desirable gated communities. Schedule your private showing today! Solar panel loan must be assumed by buyer.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,160
Sqft
0.66 ac
Lot size
2
Garage
2000
Year built
One
Levels
$229
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.
$3,673 /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
$3,673/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
+9.3%
$/sqft vs Winter Haven actives
$229 vs $170
Days on market
2 vs 48 typical
Where $229/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
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
196 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 74% 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 651 HART LAKE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$311,000
1859 CARNOSTIE ROAD
4 bd · 2.5 ba · 2,170 sqft · $143/sqft · 169 DOM
Sold · Jun ’26$390,000
6212 PINEHURST LOOP
3 bd · 2 ba · 2,175 sqft · $179/sqft · 268 DOM
Sold · Jul ’26$299,366
1525 LEAMINGTON LN
4 bd · 3 ba · 2,200 sqft · $136/sqft · 350 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
Janet Bowlin
Realtor® · CENTURY 21 Edge
Tours, negotiation, and every question about 651 HART LAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 651 HART LAKE DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Janet's phone and CRM.
Straight answers
651 HART LAKE DRIVE FAQs
What would the monthly payment be for 651 HART LAKE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,673/mo — principal and interest, the actual property-tax bill, the $83/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 651 HART LAKE DRIVE?+
The association fee works out to $83 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 651 HART LAKE DRIVE?+
The most recent tax bill on record (2025) was $3,570. 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 651 HART LAKE DRIVE?+
The listing reports pets: Breed Restrictions, 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 $495,000, this home is listed about 74% 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 651 HART LAKE 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.
The brief
Three things that matter here
01Positioned at the premium end
$495,000 runs 74% above the WINTER HAVEN 33884 median — but at 2,160 sqft it's also 29% 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 2 days on market in a Winter Haven market that averages 48 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY SMART 1 · Brian Cox. MLS #L4964010.
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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