Residential Property - Single Family Residence in Winter Haven
Listing Price: $399,000 (Mortgage Calculator →)
Description of Property
One or more photo(s) has been virtually staged. NEW ROOF 2/9/2026 + $40,000 PRICE IMPROVEMENT! Lakefront living on the Chain of Lakes just became an incredible opportunity. Welcome to 4099 Island Lakes Dr — a well-maintained 3 bedroom, 2 bath block home offering breathtaking waterfront views and direct access to the Chain of Lakes. Major updates already handled with a brand new roof installed February 9, 2026, giving buyers peace of mind and potential insurance benefits. Combine that with a significant $40K price reduction, and this property stands out in today’s market. Inside, you’ll find a bright and open layout filled with natural light. The spacious living area flows seamlessly into the kitchen and dining space, ideal for entertaining or relaxing after a day on the water. The primary suite features beautiful lake views, a private bath, and generous closet space. Step outside to freshly installed sod and updated landscaping that enhances curb appeal and creates the perfect setting for outdoor gatherings. With direct lake access, enjoy boating, fishing, kayaking, and stunning sunset views right from your backyard. Whether you're searching for a full-time residence, seasonal escape, or lakefront investment, this Chain of Lakes home offers location, lifestyle, and value. Schedule your private showing today.
Property Details At A Glance
Property Type: Residential
Property Use or Sub Type: Single Family Residence
City: Winter Haven
County: Polk
Subdivision: Island Lakes
Bedrooms: 3
Bathrooms: 2
Sq. Ft. Gross: 2,252
Sq. Ft. Living Area: 1,603
Cost per (heated) sqare foot: $249
Year built: 2006
Annual Tax: $5,194
HOA Fee: $50 Quarterly
Taxes and fees can change periodically, and other fees may apply. Please check with your Suncoasteam agent for more details.
Appliances: Refrigerator
Flooring: Laminate
Pool & Waterfront Info
Private Pool: Not specified
Water Front: Yes
Water Frontage: Lake - Chain of Lakes
Water Access: Yes
Water Access Type: Lake - Chain of Lakes
Water Name: LAKE ROCHELLE
Exterior & Construction
Construction: Stucco
Foundation: Slab
Roof: Shingle
Exterior Features: Lighting
Garage: Yes
Garage Spaces: 2
Floors Total: 1
Floors in Unit: One
Cooling: Central Air
Heating & Fuel: Central
Patio & Porch Features: Screened
Sewer: Public Sewer
Water Source: Public
Lot Information
Lot Features: City Lot
Lot Size (acres): 0.4
Lot Size (sq. ft.): 17,529 square feet
Road Frontage: Street Paved
Front Exposure: South
Legal Description & Other Information
Financing Available: VA Loan
Parcel Number: 262809530005000430
Pets Allowed/Pet Policies: Yes
Tax Legal Desc.: ISLAND LAKES PLAT BOOK 134 PGS 4 & 5 LOT 43
Section: 9
Range: 26
Listing courtesy of KELLER WILLIAMS REALTY SMART 1. The information relating to real estate for sale on this website comes in part from the My Florida Regional MLS DBA Stellar MLS. This information is provided exclusively for consumers' personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed accurate by the MLS.