Active
$434,900
Est. $2,886/mo

3971 Island Lakes Dr, Winter Haven, FL, 33881

$215/sqft·Island Lakes

3 bd2 ba2,023 sqft2 car garageSingle Family
Listed by LA ROSA REALTY PRESTIGE· Last updated · MLS# P4936971

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

Est. monthly payment
$2,886/mo
Down payment (20%)
$86,980
Property taxes
$384/mo
HOA
$50/qtr
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 2014
Waterfront
Lake Front
Private pool
In Ground
2 car garage
0.36 acres
Lot size

About this home

Cathedral Ceiling(s)Ceiling Fans(s)High CeilingsPrimary Bedroom Main FloorSplit BedroomTray Ceiling(s)Walk-in Closet(s)Storage

3971 Island Lakes Dr is a 2014-built home in Island Lakes, Winter Haven. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,023 square feet of living space. Listed at $434,900 (about $215/sqft), 293 days on market. Flood zone X* - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $50 quarterly.

From the listing

Priced to sell!! Bring them an offer!! Turn Key House on the North Chain of Lakes. 2023 Roof, 2022 POOL! Welcome to this pristine, beautifully maintained home in the quiet and highly desirable Island Lakes community—where there’s no through traffic and peaceful living comes naturally. Gorgeous real hardwood floors, stand up tub for the later years, huge shed and a low HOA fee. Step outside and you’ll fall in love with the vinyl-planked dock that gives you direct access to the Chain of Lakes, making it ideal for boating, fishing, and sunset cruises. Whether you prefer relaxing in the screened-in outdoor area or lounging by the sparkling pool, this home is designed for anyone who loves outdoor living. Inside, the home is in immaculate condition. It offers three bedrooms, including a spacious master suite complete with a walk-in tub for easy washing and added convenience. Every room feels well cared for, move-in ready, and prepared for its next owner to enjoy. This stunning property truly has it all—comfort, water access, serenity, and style. It’s ready and waiting for the next buyer who wants to fully embrace lakeside living.

The essentials

Built
2014
Price / sqft
$215
On market
298 days
Annual tax
$4,603
HOA
$50/qtr
Flood zone
X* · Low risk
Lot
15,494 sqft
Type
Single Family Residence

Location

3971 Island Lakes Dr
Winter Haven, FL, 33881·33881 - Winter Haven / Florence Villa
Type
Single Family Residence
Year Built
2014
Lot
15,494 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Pool
In Ground
Waterfront
Lake Front, Lake Privileges
Days on Market
298
Cathedral Ceiling(s)
Ceiling Fans(s)
High Ceilings
Primary Bedroom Main Floor
Split Bedroom
Tray Ceiling(s)
Walk-in Closet(s)
Storage
Convection Oven
Dishwasher
Refrigerator
Washer
Homestead exemption on fileFlood Zone X*

Annual Tax (2024)

$4,603

Parcel #

26-28-09-530005-000110

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

Island Lakes

County

Polk

MLS Area

33881 - Winter Haven / Florence Villa

Lot Size

15,494 sqft

HOA
$50/qtr
Highland Community
Date
Event
Price
9/10/2026
Price change
Source: Stellar MLS #P4936971
$434,900-1.2%
$215/sqft
—
Price change
Source: Stellar MLS #P4936971
$439,999-12.0%
$217/sqft
11/17/2025
Listed for sale
Source: Stellar MLS #P4936971
$499,900
$247/sqft
Est. monthly payment$2,886/mo
Principal & interest$2,268
Property taxes$384
Insurance$217
HOA$17
Down payment20% · $86,980
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: $434,900
$432,500 – $434,900
99.5% – 100% of listTops out right at the list price
80% of listList price
129 of the last 206 home closings in 33881 landed at this number or higher (63%). The median one sat 44 days before it went under contract, and this one is on day 298 after a $65,000 cut.

Sample: 206 closed home sales in 33881 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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