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442 Lakeside Ranch Cir, Winter Haven, FL, 33881

2beds
2baths
1,200sqft
$178,000
$148price/sqft
$1,325/moest. monthly cost
$53,000/yrincome needed

About This Home

LAKEFRONT • NO LOT RENT • FULLY REMODELED • MOVE-IN READY Asking Price: $178,000 Wake up to beautiful lake views and enjoy direct waterfront living on 880-acre Lake Henry. Fish right from your backyard and take advantage of boat docks available for rent within the community, along with a neighborhood boat ramp for easy access to the lake. Or build your own boat dock out your back door. This beautifully remodeled home sits on a deeded lakefront lot with NO LOT RENT and has been extensively updated from top to bottom. The seller is paying the buyer's closing costs, and HOA fees are paid through April 2027—saving you thousands from day one. Recent upgrades include a completely remodeled kitchen with new cabinetry, granite countertops, new appliances, and updated lighting. Both bathrooms have been fully renovated with custom tile showers and glass doors. Additional 2025 improvements include luxury vinyl plank flooring throughout, fresh interior and exterior paint, new lighting, new floor insulation and vapor barrier, and a new stackable washer and dryer conveniently located inside the house. Outside, you'll find a Titan Chip-coated driveway, garage floor, and patio with a 15-year warranty, new concrete landscaping curbing, drainage improvements, and permanent year-round holiday lighting. Also new hurricane strap per the updated code, Major systems have also been updated, including the roof (2015) and A/C (2017). Low HOA dues of only $166 per month include water, sewer, lawn maintenance, pool, clubhouse, and community amenities. Most major furniture is included. Decor, kitchen items, cookware, dishes, linens, towels, and personal belongings are not included. If you're looking for affordable Florida lakefront living with deeded land, low monthly costs, and virtually nothing left to do, this home is a must-see. Asking Price: $178,000

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

3/10
3/10
3/10
Haines City Senior High SchoolGrades PK,9-123.3 mi

Construction

Condition

  • Year built: 1985

Materials

  • Roof: Other

Type & Style

  • Home type: MobileManufactured

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Garbage disposal,Microwave,Range / Oven,Refrigerator,Washer

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Other

Interior Area

  • Total interior livable area: 1,200 sqft

Property

Details

  • Parcel number: 262736520851002190

Features

  • Exterior features: Vinyl,Wood,Composition
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes

Lot

  • Lot size: 5,488 sqft

Parking

  • Total spaces: 4
  • Parking features: Carport,Off-street

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

  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Hurricane
    HurricaneRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Hurricane
Heat Wave
Inland Flooding
Tornado
Wildfire

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 $900$10,800
Home Insurance *$166$1,992
Property Taxes $62$744
Electricity $197$2,366
Total$1,325$15,900
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$45,428/yr
40% on housing$39,750/yr
45% on housing$35,333/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

$148This 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)

No zestimate history available

Price History

DateEventPrice
2026-08-17Pending sale$178,000
2026-06-25Listed for sale$178,000
2025-03-23Listing removed--
2025-02-12Price change$98,000
2025-01-11Listed for sale$140,750
2024-09-25Listing removed--
2024-09-23Listed for sale$145,000
2002-05-17Sold$70,000

For Sale by Owner

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