About This Home

This 3-bedroom, 2-bathroom single family at 4099 ISLAND LAKES Drive in Winter Haven, FL is listed for $379,000 ($236 per sqft). Built in 2006, the home offers 1,603 sqft of living space on a 0.40 acres lot.

Key Features

  • Built in 2006
  • 0.40 acre lot
  • Waterfront

Property Details

1 story
2 full
2-car garage
2006

Amenities

WaterfrontViewA/C
Listing Description

One or more photo(s) has been virtually staged. NEW ROOF 2/9/2026 + $10K PRICE IMPROVEMENT on 7/24! Now offered at another improved price, this waterfront home on Lake Rochelle delivers the best value currently available on the Winter Haven Chain of Lakes.

Located in the desirable Island Lakes community, this well-maintained 3-bedroom, 2-bath home combines lakefront living, major recent updates, and everyday functionality. A brand new roof was installed in February 2026, offering added peace of mind and potential insurance advantages for the next owner.

Fresh landscaping and new sod create excellent curb appeal, while the open split-bedroom floorplan provides comfortable living with beautiful natural light throughout. The spacious primary suite overlooks the water and includes a private bath and walk-in closet.

The living and dining areas flow easily into the kitchen, making the home ideal for entertaining, weekend guests, or simply enjoying the lake lifestyle. Step outside and enjoy direct access to the Chain of Lakes with boating, fishing, kayaking, and sunset views right from your backyard.

Conveniently located near shopping, dining, medical facilities, and major roadways while still offering a peaceful waterfront setting. Whether you're looking for a primary residence, winter retreat, or investment opportunity, this property checks all the boxes for Florida lakefront living. Schedule your private showing today.

Monthly Cost Estimate

$2,027/mo

20% down · 6.5% · 30 years

Principal$274
Interest$1,642
Insurance$111

Estimates only. Actual payments may vary.

Location

4099 ISLAND LAKES Drive

Winter Haven, FL 33881

ISLAND LAKES

Features & Amenities

Interior Features

Cathedral Ceiling(s)Ceiling Fans(s)In Wall Pest SystemKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanSplit BedroomVaulted Ceiling(s)Walk-In Closet(s)

Exterior Features

Lighting

Property Details

Flooring

Laminate

Construction

Block Stucco

Views

Lake

Outdoor Features

Porch

Heating

Central

Cooling

Central Air

Appliances

DishwasherMicrowaveRangeRefrigerator

Questions & Answers

This 3-bedroom, 2-bathroom single family at 4099 ISLAND LAKES Drive is listed at $379,000 ($236/sqft). The estimated monthly payment is $2,027 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 2006, 0.40 acre lot, Waterfront. Interior Features: Cathedral Ceiling(s), Ceiling Fans(s), In Wall Pest System. Exterior Features: Lighting.

This property is listed by Don Jerue.

DJ

Don Jerue

Agent at Smart Realty of Winter Haven LLC

Listed by Smart Realty of Winter Haven LLC · Broker phone: (863) 508-3000 · View on Broker Site

MLS# P4934266· Source: Stellar MLS· 574 days on PropertySimple

Copyright © 2026 Stellar MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

4099 ISLAND LAKES Drive, Winter Haven, FL 33881

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