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For sale
    • Price cut: $10K (7/24)
    $379,000

    4099 ISLAND LAKES DRIVE, WINTER HAVEN, FL 33881

    3beds
    1,603sqft
    : 
    $2,499/mo
    Get pre-qualified
    Single Family Residence
    Built in 2006
    0.4 Acres Lot
    $369,500 Zestimate®
    $236/sqft
    $17/mo HOA

    What's special

    Peaceful waterfront settingOpen split-bedroom floorplanBeautiful natural light throughoutIdeal for entertaining
    One or more photo(s) has been virtually staged. NEW ROOF 2/9/2026 + $10K PRICE IMPROVEMENT on 7/24! Now offered at another improved price, this waterfront home on Lake Rochelle delivers the best value currently available on the Winter Haven Chain of Lakes. Located in the desirable Island Lakes community, this well-maintained 3-bedroom, 2-bath home combines lakefront living, major recent updates, and everyday functionality. A brand new roof was installed in February 2026, offering added peace of mind and potential insurance advantages for the next owner. Fresh landscaping and new sod create excellent curb appeal, while the open split-bedroom floorplan provides comfortable living with beautiful natural light throughout. The spacious primary suite overlooks the water and includes a private bath and walk-in closet. The living and dining areas flow easily into the kitchen, making the home ideal for entertaining, weekend guests, or simply enjoying the lake lifestyle. Step outside and enjoy direct access to the Chain of Lakes with boating, fishing, kayaking, and sunset views right from your backyard. Conveniently located near shopping, dining, medical facilities, and major roadways while still offering a peaceful waterfront setting. Whether you’re looking for a primary residence, winter retreat, or investment opportunity, this property checks all the boxes for Florida lakefront living. Schedule your private showing today.
    491 days
    |
    272
    |
    16
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Don Jerue 863-259-9550,

    KELLER WILLIAMS REALTY SMART 1 863-508-3000

    Source: Stellar MLS,MLS#: P4934266MLS LogoOriginating MLS: East Polk

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 2
      • Full bathrooms: 2
      Primary bedroom
      • Features: Walk-In Closet(s)
      • Level: First
      Bedroom 2
      • Features: Built-in Closet
      • Level: First
      Bedroom 3
      • Features: Built-in Closet
      • Level: First
      Kitchen
      • Level: First
      Living room
      • Level: First
      Heating
      • Central
      Cooling
      • Central Air
      Appliances
      • Included: Dishwasher, Microwave, Range, Refrigerator
      • Laundry: Inside
      Features
      • Cathedral Ceiling(s), Ceiling Fan(s), In Wall Pest System, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Split Bedroom, Vaulted Ceiling(s), Walk-In Closet(s)
      • Flooring: Laminate
      • Has fireplace: No
      Interior area
      • Total structure area: 2,252
      • Total interior livable area: 1,603 sqft
      Video & virtual tour

      Property

      Parking
      • Total spaces: 2
      • Parking features: Garage - Attached
      • Attached garage spaces: 2
      Features
      • Levels: One
      • Stories: 1
      • Patio & porch: Covered, Front Porch, Rear Porch, Screened
      • Exterior features: Lighting
      • Has view: Yes
      • View description: Lake
      • Has water view: Yes
      • Water view: Lake
      • Waterfront features: Lake - Chain of Lakes, Lake Privileges, Skiing Allowed
      • Body of water: LAKE ROCHELLE
      Lot
      • Size: 0.4 Acres
      • Features: City Lot
      Details
      • Parcel number: 262809530005000430
      • Special conditions: None

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family Residence
      Materials
      • Block, Stucco
      • Foundation: Slab
      • Roof: Shingle
      Condition
      • New construction: No
      • Year built: 2006

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: Electricity Connected, Water Connected

      Community & HOA

      Community
      • Pet fee: $0 monthly
      • Subdivision: ISLAND LAKES
      HOA
      • Has HOA: Yes
      • HOA fee: $17 monthly
      • HOA name: Highland Community
      • HOA phone: 863-940-2863
      Location
      • Region: Winter Haven

      Financial & listing details

      • Price per square foot: $236/sqft
      • Tax assessed value: $288,066
      • Annual tax amount: $5,193
      • Date on market: 4/1/2025
      • Cumulative days on market: 491 days
      • Listing terms: Cash,Conventional,FHA,VA Loan
      • Ownership: Fee Simple
      • Total actual rent: 0
      • Electric utility on property: Yes
      • Road surface type: Paved

        Estimated market value

        $369,500

        $351,000 - $388,000

        $2,026/mo

        Price history

        DateEventPrice
        7/24/2026Price change$379,000-2.6%$236/sqft
        Source: Stellar MLS #P4934266 Report a problem
        5/28/2026Price change$389,000-1.3%$243/sqft
        Source: Stellar MLS #P4934266 Report a problem
        4/14/2026Price change$394,000-1.3%$246/sqft
        Source: Stellar MLS #P4934266 Report a problem
        10/7/2025Price change$399,000-2.4%$249/sqft
        Source: Stellar MLS #P4934266 Report a problem
        5/27/2025Price change$409,000-6.8%$255/sqft
        Source: Stellar MLS #P4934266 Report a problem
        4/1/2025Listed for sale$439,000-5%$274/sqft
        Source: Stellar MLS #P4934266 Report a problem
        7/11/2024Listing removed$462,000$288/sqft
        Source: Stellar MLS #P4928402 Report a problem
        4/30/2024Listing removed--
        Source: Zillow Rentals Report a problem
        4/2/2024Listed for rent$2,200$1/sqft
        Source: Zillow Rentals Report a problem
        2/6/2024Price change$462,000-3.5%$288/sqft
        Source: Stellar MLS #P4928402 Report a problem
        12/11/2023Listed for sale$479,000+40.9%$299/sqft
        Source: Stellar MLS #P4928402 Report a problem
        10/24/2023Sold$340,000+3%$212/sqft
        Source: Stellar MLS #P4927062 Report a problem
        10/2/2023Pending sale$330,000$206/sqft
        Source: Stellar MLS #P4927062 Report a problem
        8/23/2023Listed for sale$330,000+19.8%$206/sqft
        Source: Stellar MLS #P4927062 Report a problem
        8/27/2007Sold$275,400$172/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$5,480 +5.5%$288,066 +5.7%
        2024$5,194 +5.9%$272,497 +9.6%
        2023$4,907 +7.5%$248,523 +10%
        2022$4,562 +10.1%$225,930 +10%
        2021$4,145 -1.3%$205,391 -0.7%
        2020$4,200 +6.9%$206,893 +9.2%
        2019$3,929 $189,505 +2.9%
        2018$3,929 +2.5%$184,187 +10.8%
        2017$3,834 +23.1%$166,298 +7.7%
        2016$3,114 +7.4%$154,361 +9.3%
        2015$2,900 +12.9%$141,172 +9.5%
        2014$2,569 +3.9%$128,970 +10%
        2013$2,471 +7.3%$117,245 +7.1%
        2012$2,304 -24.1%$109,503 -23.5%
        2011$3,037 -3.9%$143,234 -2.6%
        2010$3,159 -9.1%$147,132 -5.5%
        2009$3,474 -22.5%$155,691 -26.4%
        2008$4,480 $211,395
        2007-- --
        2006$1,207 --
        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: 33881

        Getting around

        9 / 100
        Car-Dependent
        41 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating

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