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194 S Lake Mariam Dr, Winter Haven, FL, 33884

2beds
2baths
1,538sqft
$390,000
$254price/sqft
$2,956/moest. monthly cost
$118,240/yrincome needed

About This Home

Welcome to this beautifully updated home in desirable Southeast Winter Haven, offering space, privacy, and modern upgrades on a generous half-acre lot. Step inside to vaulted ceilings and rich hardwood flooring that create a warm, open feel. The living room features a gas fireplace with mantle detail, adding character and comfort to the main gathering space. The fully renovated kitchen stands out with stainless steel appliances, granite countertops throughout, updated shaker-style cabinetry, and a sleek glass vent hood for a clean, contemporary finish. The layout flows effortlessly into the dining and living areas, making it ideal for both everyday living and entertaining. The enclosed rear patio is fully incorporated into the heated and cooled square footage, providing additional living space in a controlled climate year-round. From here, you overlook the expansive backyard with mature trees and complete privacy — and with no rear neighbors, that view and buffer will never change. The updated bathroom features a spacious walk-in shower with modern tile accents, granite vanity top, and upgraded lighting for a polished, spa-like feel. Outside, the half-acre homesite offers exceptional flexibility. There is ample room for a future pool, garden, or additional structure, along with space for boat or RV parking. A detached shed provides extra storage. The property backs to natural privacy with no rear neighbors ever, creating a peaceful setting that’s hard to find. Located in a one-way-in, one-way-out area of Southeast Winter Haven, the neighborhood offers limited traffic and added privacy while still being conveniently close to everything. With a little effort, this home could easily be converted into a 3-bedroom layout, adding even more value and flexibility for future owners. If you’re looking for updated interiors, privacy, and room to grow — this one checks boxes that most homes simply don’t.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

1/10
Elbert Elementary SchoolGrades PK-51.0 mi
3/10
Denison Middle SchoolGrades 6-81.6 mi
3/10

Construction

Condition

  • Year built: 2000

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Convection Oven,Dishwasher,Disposal,Range,Range Hood,Refrigerator
  • Laundry features: Other

Bedroom2

  • Features: Built-in Closet
  • Level: First

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Open Floorplan,Vaulted Ceiling(s)
  • Door features: French Doors
  • Window features: Skylight(s)
  • Flooring: Laminate,Tile
  • Fireplace features: Gas
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,172
  • Total interior livable area: 1,538 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Features: Built-in Closet
  • Level: First

Property

Details

  • Parcel number: 262834662420005431
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Front Porch,Rear Porch,Screened
  • Exterior features: Irrigation System

Lot

  • Lot size: 0.50 Acres
  • Features: In County,Irregular Lot,Oversized Lot,Unincorporated
  • Lot size dimensions: 107 x 198

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

  • Strong Wind
    Strong WindVery High
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Hurricane
Lightning
Tornado

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 $1,972$23,664
Home Insurance *$353$4,236
Property Taxes $434$5,208
Electricity $197$2,366
Total$2,956$35,472
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$101,348/yr
40% on housing$88,680/yr
45% on housing$78,826/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

$254This listing

vs Other Active Listings

Avg $/sqft

ZIP 33884$119
Polk County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 33884$166
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
2026-02-17Listed for sale$400,000
2024-10-29Listing removed$319,900
2023-10-29Listing removed--
2023-06-02Sold$297,500
2023-05-05Pending sale$300,000
2023-05-03Listed for sale$300,000
2023-05-03Pending sale$300,000
2023-05-02Price change$300,000
2023-04-29Listed for sale$295,000
2021-11-10Sold$285,000
2021-09-17Pending sale$319,900
1996-12-03Sold$18,000

For Sale by Agent

AgentDon Jerue
BrokerageKELLER WILLIAMS REALTY SMART 1

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