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For sale
    • Price cut: $14K (5/22)
    $405,900

    4020 CARTERET DRIVE, WINTER HAVEN, FL 33884

    4beds
    2,282sqft
    : 
    $3,169/mo
    Get pre-qualified
    Single Family Residence
    Built in 2015
    7,998 Square Feet Lot
    $-- Zestimate®
    $178/sqft
    $484/mo HOA

    What's special

    Stylish upgrades throughoutMother-in-law suitePrivate community boat rampStunning lake viewsDirect water accessHardwood flooringSpacious layout
    Seller is willing to offer funds towards Buyer's Closing Costs. Welcome to 4020 Carteret Dr in Winter Haven, a beautifully updated 4-bedroom, 3-bath home located in a desirable 55+ lakefront community with a 3-car garage offering comfort, convenience, and low-maintenance living in the heart of Central Florida. This thoughtfully designed home features stunning lake views, hardwood flooring, an updated kitchen with modern finishes, and stylish upgrades throughout. The spacious layout includes a mother-in-law suite, perfect for visiting family, guests, or additional privacy. Residents enjoy direct water access and a private community boat ramp, providing easy access to Winter Haven’s renowned Chain of Lakes, ideal for boating, fishing, and enjoying Florida’s outdoor lifestyle. The community also offers boat and water toy storage for a small fee, making it convenient to keep your boat or jet skis nearby and ready to use. One of the standout features of this home is the maintenance-free lifestyle. The HOA covers Cable, Internet, Exterior Home Maintenance including landscaping, mulch, and exterior painting, and More, allowing homeowners to enjoy their property without the typical upkeep responsibilities. Located just minutes from Cypress Gardens Boulevard, this home offers quick access to shopping, restaurants, grocery stores, golf courses, parks, and medical facilities. Residents are also close to LEGOLAND Florida Resort, and major roadways including US-27 and the Polk Parkway, making travel to Lakeland, Orlando, and Tampa convenient. If you’re searching for a Lake view home in Winter Haven, a low-maintenance home in a 55+ community, or a property with Ruby Lake access, 4020 Carteret Dr offers the perfect combination of location, lifestyle, and modern comfort in one of Polk County’s most established lake communities. Schedule a showing today!
    146 days
    |
    197
    |
    3
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Sofia Lovinsky 407-376-1845,

    KELLER WILLIAMS ADVANTAGE III 407-207-0825

    Source: Stellar MLS,MLS#: O6389154MLS LogoOriginating MLS: Orlando Regional

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 3
      • Full bathrooms: 3
      Primary bedroom
      • Features: Walk-In Closet(s)
      • Level: First
      • Area: 182 Square Feet
      • Dimensions: 14x13
      Bedroom 2
      • Features: Built-in Closet
      • Level: First
      • Area: 168 Square Feet
      • Dimensions: 12x14
      Bedroom 3
      • Features: Built-in Closet
      • Level: First
      • Area: 120 Square Feet
      • Dimensions: 12x10
      Kitchen
      • Level: First
      • Area: 288 Square Feet
      • Dimensions: 18x16
      Living room
      • Level: First
      • Area: 324 Square Feet
      • Dimensions: 18x18
      Office
      • Level: First
      • Area: 80 Square Feet
      • Dimensions: 8x10
      Heating
      • Central, Electric
      Cooling
      • Central Air
      Appliances
      • Included: Cooktop, Dishwasher, Microwave, Range, Refrigerator
      • Laundry: Inside, Laundry Room
      Features
      • Ceiling Fan(s), Crown Molding, Kitchen/Family Room Combo, Open Floorplan, Stone Counters, Walk-In Closet(s)
      • Flooring: Engineered Hardwood, Tile
      • Windows: Blinds
      • Has fireplace: No
      Interior area
      • Total structure area: 3,062
      • Total interior livable area: 2,282 sqft
      Video & virtual tour

      Property

      Parking
      • Total spaces: 3
      • Parking features: Garage - Attached
      • Attached garage spaces: 3
      Features
      • Levels: One
      • Stories: 1
      • Exterior features: Sidewalk
      • Has view: Yes
      • View description: Lake
      • Has water view: Yes
      • Water view: Lake
      • Waterfront features: Waterfront, Lake Privileges, Skiing Allowed
      • Body of water: RUBY LAKE
      Lot
      • Size: 7,998 Square Feet
      Details
      • Parcel number: 262913687552000650
      • Special conditions: None

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family Residence
      Materials
      • Block, Stucco
      • Foundation: Slab
      • Roof: Shingle
      Condition
      • Completed
      • New construction: No
      • Year built: 2015
      Details
      • Builder name: Lennar Homes

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: Cable Connected, Electricity Connected, Phone Available, Public, Sewer Connected, Street Lights, Underground Utilities, Water Available, Water Connected

      Community & HOA

      Community
      • Features: Community Boat Ramp, Dock, Water Access, Waterfront, Clubhouse, Fitness Center, Gated Community - No Guard, Park, Playground, Pool, Sidewalks, Tennis Court(s)
      • Pet fee: $0 monthly
      • Senior community: Yes
      • Subdivision: TRADITIONS PH 01
      HOA
      • Has HOA: Yes
      • Amenities included: Basketball Court, Cable TV, Clubhouse, Fitness Center, Gated, Maintenance, Park, Playground, Pool, Sauna, Shuffleboard Court, Tennis Court(s), Trail(s)
      • Services included: Cable TV, Community Pool, Internet, Maintenance Structure, Maintenance Grounds, Pool Maintenance, Recreational Facilities
      • HOA fee: $484 monthly
      • HOA name: Leland Management/Dolcy Murchison
      • HOA phone: 863-324-7722
      Location
      • Region: Winter Haven

      Financial & listing details

      • Price per square foot: $178/sqft
      • Tax assessed value: $320,247
      • Annual tax amount: $3,537
      • Date on market: 3/10/2026
      • Cumulative days on market: 147 days
      • Listing terms: Cash,Conventional,FHA,VA Loan
      • Ownership: Fee Simple
      • Total actual rent: 0
      • Electric utility on property: Yes
      • Road surface type: Asphalt, Paved

        Estimated market value

        Not available

        Estimated sales range

        Not available

        Not available

        Price history

        DateEventPrice
        5/22/2026Price change$405,900-3.3%$178/sqft
        Source: Stellar MLS #O6389154 Report a problem
        3/10/2026Listed for sale$419,900+75%$184/sqft
        Source: Stellar MLS #O6389154 Report a problem
        3/11/2015Sold$240,000-11.8%$105/sqft
        Source: Public Record Report a problem
        11/3/2014Listed for sale$272,190+4.4%$119/sqft
        Source: Lennar Report a problem
        6/27/2014Listing removed$260,790$114/sqft
        Source: Lennar Report a problem
        2/14/2014Listed for sale$260,790$114/sqft
        Source: Lennar Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$3,537 +3.2%$232,615 +2.9%
        2024$3,427 +2.7%$226,059 +3%
        2023$3,336 +2.9%$219,475 +3%
        2022$3,241 -0.2%$213,083 +3%
        2021$3,247 +1.1%$206,877 +1.4%
        2020$3,212 +0.8%$204,021 +2.3%
        2019$3,188 $199,434 +1.9%
        2018$3,188 +1.4%$195,715 +1.3%
        2017$3,142 +7.9%$193,147 +2.1%
        2016$2,912 +509.6%$189,174 +694.8%
        2015$478 +66.4%$23,800 +62.7%
        2014$287 +4.8%$14,630 +10%
        2013$274 +0.2%$13,300
        2012$273 -21.5%$13,300 -20.8%
        2011$348 -7.2%$16,800 -5.9%
        2010$375 -18.5%$17,850 -15%
        2009$460 -44.8%$21,000 -47.5%
        2008$834 $40,000
        2007-- --
        2006$832 --
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 33884

        Getting around

        5 / 100
        Car-Dependent
        25 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Chain O Lakes Elem
        • Middle: McLaughlin Academy Of Excellence
        • High: Lake Region High

        Source: Stellar MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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