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3831 Gaines Dr, Winter Haven, FL, 33884

$286/sqft·Gaines Cove

3 bd2 ba2,678 sqft2 car garageSingle Family
Listed by COLDWELL BANKER REALTY· Last updated · MLS# O6441050

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Est. monthly payment
$4,693/mo
Down payment (20%)
$153,000
Property taxes
$294/mo
HOA
$320/yr
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 2005
Private pool
Heated
2 car garage
0.55 acres
Lot size
2,678 sqft
Living area

About this home

Ceiling Fans(s)Crown MoldingOpen FloorplanPrimary Bedroom Main FloorStone CountersTray Ceiling(s)Walk-in Closet(s)Lighting

3831 Gaines Dr is a 2005-built home in Gaines Cove, Winter Haven. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,678 square feet of living space. Listed at $765,000 (about $286/sqft), 0 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $320 annually.

From the listing

Virtually Staged. Welcome to 3831 Gaines Dr, where beautifully updated interiors, exceptional outdoor living, and the best of the Winter Haven lifestyle come together. Situated on an impressive half-acre-plus homesite in the established Gaines Cove area, this immaculate 3-bedroom plus dedicated office home offers the space, privacy, and character that can be difficult to find. The location is a standout. Enjoy being just minutes from the Winter Haven Chain of Lakes, with multiple nearby options for boat ramps and lake access, making it easy to spend your days boating, fishing, skiing, or exploring Winter Haven’s interconnected lakes. LEGOLAND Florida Resort is also just minutes away, along with shopping, dining, and the everyday conveniences of the Cypress Gardens area. Inside, an inviting open floor plan welcomes you with spacious living areas designed for both everyday comfort and entertaining. Architectural details, abundant natural light, plantation shutters, and a fireplace with built-ins add warmth and character throughout. The beautifully updated kitchen features brand-new appliances and flows seamlessly into the main living area, while updated bathrooms and thoughtful improvements throughout create a polished, move-in-ready feel. A dedicated office with French doors provides the perfect space for working from home, studying, or additional flex space. The upgrades go well beyond what you immediately see. The home features a Kinetico water filtration system, allergen air filtration system, and a Tesla charging station, adding modern convenience and functionality to an already impressive property. Step outside and discover what truly sets this home apart. The expansive screened outdoor living area creates your own private Florida backyard retreat, centered around a heated saltwater pool with plenty of space for relaxing and entertaining. The substantial covered lanai features an impressive outdoor kitchen with built-in grill, vent hood, sink, and refrigeration, complemented by generous outdoor dining and seating areas. Remote-controlled power sun shades on the rear lanai provide added shade, privacy, and comfort at the touch of a button, making this incredible space even more enjoyable throughout the day. And unlike many pool homes, the backyard doesn't end at the screened enclosure. Beyond the pool is an expansive fenced yard with abundant usable green space, mature trees, and beautifully maintained landscaping. The combination of a large homesite, resort-style pool area, covered outdoor living, and substantial backyard creates a wonderful sense of openness and privacy. Curb appeal is equally impressive, with a large paver driveway, expansive front lawn, mature landscaping, and welcoming covered front porch creating a memorable first impression. Spend the morning boating on the Chain of Lakes, the afternoon relaxing in your heated saltwater pool, cook dinner in your outdoor kitchen, and finish the evening unwinding on the lanai. With LEGOLAND just minutes away and shopping, dining, recreation, and multiple lake-access options nearby, 3831 Gaines Dr offers more than a beautifully updated home—it offers the Winter Haven lifestyle.

The essentials

Built
2005
Price / sqft
$286
On market
Today
Annual tax
$3,522
HOA
$320/yr
Flood zone
X · Low risk
Lot
24,076 sqft
Type
Single Family Residence

Location

3831 Gaines Dr
Winter Haven, FL, 33884·33884 - Winter Haven / Cypress Gardens
Type
Single Family Residence
Year Built
2005
Lot
24,076 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Pool
Auto Cleaner, Heated, Lighting, Salt Water, Screen Enclosure, Solar Heat
Days on Market
0
Ceiling Fans(s)
Crown Molding
Open Floorplan
Primary Bedroom Main Floor
Stone Counters
Tray Ceiling(s)
Walk-in Closet(s)
Lighting
Outdoor Grill
Outdoor Kitchen
Private Yard
Dishwasher
Disposal
Microwave
Range
Refrigerator
Water Filtration System
Wine Refrigerator
Homestead exemption on fileFlood Zone X

Annual Tax (2025)

$3,522

Parcel #

26-29-09-687040-000530

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Gaines Cove

County

Polk

MLS Area

33884 - Winter Haven / Cypress Gardens

Lot Size

24,076 sqft

HOA
$320/yr
Lee Wagoner
Date
Event
Price
9/11/2026
Listed for sale
Source: Stellar MLS #O6441050
$765,000
$286/sqft
Est. monthly payment$4,692/mo
Principal & interest$3,990
Property taxes$294
Insurance$383
HOA$27
Down payment20% · $153,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $765,000
$760,000 – $765,000
99.5% – 100% of listTops out right at the list price
80% of listList price
161 of the last 252 home closings in 33884 landed at this number or higher (64%). The median one sat 40 days before it went under contract, and this one just listed today.

Sample: 252 closed home sales in 33884 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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