4919 ST JAMES DRIVE, Winter Haven, FL, 33881
About This Home
Welcome to this beautiful 3-bedroom, 2-bathroom waterfront home in the desirable community of Winter Haven! This home combines comfort and scenic views with a spacious, functional floor plan designed for everyday living and entertaining. Wake up to peaceful water views and enjoy relaxing evenings overlooking the tranquil waterfront from your own backyard. The primary suite provides a private retreat with an en-suite bathroom, while two additional bedrooms are flexible for family, guests, or a home office. Conveniently located near shopping, dining, schools, parks, and Winter Haven’s renowned chain of lakes, this property combines a peaceful setting with easy access to everything you need. Don’t miss the opportunity to own your own slice of waterfront paradise—schedule your private showing today!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2010
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,Microwave,Refrigerator,Washer
- Laundry features: Laundry Room
Bathroom2
- Level: First
Bedroom2
- Features: Built-in Closet
- Level: First
Bedroom3
- Features: Built-in Closet
- Level: First
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- Ceiling Fan(s),High Ceilings,Thermostat,Walk-In Closet(s)
- Door features: Sliding Doors
- Flooring: Luxury Vinyl,Tile
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 2,180
- Total interior livable area: 1,577 sqft
Kitchen
- Level: First
Living Room
- Level: First
Primary Bathroom
- Level: First
Primary Bedroom
- Features: Walk-In Closet(s)
- Level: First
Property
Details
- Parcel number: 252812339907001460
- Special condition: None
Features
- Levels: One
- Stories: 1
- Exterior features: Lighting,Rain Gutters,Sidewalk
Lot
- Lot size: 6,900 sqft
Parking
- Total spaces: 3
- Parking features: Garage - Attached
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
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
- Strong Wind
- Hurricane
- Heat Wave
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Polk County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,567 | $18,804 |
| Home Insurance * | $290 | $3,480 |
| Property Taxes | $488 | $5,856 |
| Electricity | $197 | $2,366 |
| Total | $2,542 | $30,504 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-14 | Listed for sale | $310,000 |
| 2023-06-28 | Sold | $307,000 |
| 2023-05-27 | Pending sale | $305,000 |
| 2023-05-23 | Price change | $305,000 |
| 2023-05-11 | Price change | $314,900 |
| 2023-05-08 | Listed for sale | $320,000 |
| 2022-10-04 | Sold | $320,000 |
| 2022-08-16 | Pending sale | $320,000 |
| 2022-08-11 | Listed for sale | $320,000 |
| 2019-07-24 | Sold | $199,900 |
| 2019-06-06 | Price change | $199,900 |
| 2019-05-31 | Price change | $212,500 |
| 2019-05-25 | Price change | $217,900 |
| 2019-05-19 | Price change | $219,900 |
| 2019-04-30 | Listed for sale | $224,900 |
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