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339 Lake Smart Cir, Winter Haven, FL, 33881

3beds
3baths
2,173sqft
$328,000
$151price/sqft
$2,570/moest. monthly cost
$102,800/yrincome needed

About This Home

Motivated Seller. Introducing a beautifully maintained home offering an excellent and functional layout. The first floor features a welcoming open concept with a half bathroom, living, dining, and kitchen areas, and a well-appointed kitchen with granite countertops, stylish backsplash, and elegant lighting fixtures. A sliding glass door brings in natural light and provides direct access to the backyard, enhancing the indoor-outdoor connection. The entire main level is finished with tile flooring, providing durability and easy maintenance. Upstairs, you will find three generously sized bedrooms and a versatile loft area, ideal for a playroom, home office, or study space. The primary suite offers a comfortable retreat with a barn door leading into the bathroom, which is also well-designed and spacious. The second and third bedrooms are well sized and highly versatile. This home has been very well cared for and is move-in ready. Enjoy a large backyard, perfect for entertaining, family gatherings, or simply relaxing outdoors. A great opportunity to own a home with space, comfort, and thoughtful design throughout. Schedule your private showing today.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
44
BikeSomewhat Bikeable

Schools

3/10
Denison Middle SchoolGrades 6-82.4 mi
3/10

Construction

Condition

  • Year built: 2021

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block,Stucco

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Electric Water Heater,Microwave,Range,Refrigerator,Washer
  • Laundry features: Laundry Room

Bedroom2

  • Features: Built-in Closet
  • Level: Second
  • Area: 156
  • Dimensions: 13x12

Bedroom3

  • Features: Built-in Closet
  • Level: Second
  • Area: 123.12
  • Dimensions: 11.4x10.8

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: First
  • Area: 126.84
  • Dimensions: 15.1x8.4

Features

  • Kitchen/Family Room Combo,Open Floorplan,PrimaryBedroom Upstairs,Stone Counters,Walk-In Closet(s)
  • Door features: Sliding Doors
  • Flooring: Carpet,Ceramic Tile

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,656
  • Total interior livable area: 2,173 sqft

Kitchen

  • Level: First
  • Area: 115.14
  • Dimensions: 10.1x11.4

Living Room

  • Level: First

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: Second
  • Area: 170.3
  • Dimensions: 13.1x13

Property

Details

  • Parcel number: 262809530006001620
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Sprinkler Metered

Lot

  • Lot size: 6,003 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High

How This Home’s Risks Compare

Hurricane
Lightning
Strong Wind

FEMA Declared Disasters in Polk County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,658$19,896
Home Insurance *$307$3,684
Property Taxes $387$4,644
Electricity $218$2,624
Total$2,570$30,840
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$88,114/yr
40% on housing$77,100/yr
45% on housing$68,533/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.8%
11.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 6.0%
6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$151This listing

vs Other Active Listings

Avg $/sqft

ZIP 33881$88
Polk County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 33881$165
Polk County$179

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-06Listed for sale$339,000
2025-07-01Listing removed$321,750
2025-01-17Price change$321,750
2024-12-18Price change$330,000
2024-12-11Price change$331,000
2024-11-27Price change$332,000
2024-11-20Price change$334,000
2024-11-13Price change$335,000
2024-11-07Price change$340,000
2024-09-27Price change$345,000
2024-08-01Listed for sale$350,000
2022-04-05Sold$342,000
2022-03-27Pending sale$340,000
2022-03-05Listing removed--
2022-03-03Listed for rent$2,150
2022-02-19Listing removed--
2022-02-18Listed for rent$2,150
2022-01-22Listed for sale$340,000
2021-05-10Sold$255,289

For Sale by Agent

AgentBarbara Prins
BrokerageHOMETRUST REALTY GROUP

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