Single Family Residence at 4020 CARTERET DR, WINTER HAVEN
open kitchen to living and dining room - 4020 CARTERET DR, WINTER HAVEN
Single Family Residence at 4020 CARTERET DR, WINTER HAVEN, photo 3 of 27
Single Family Residence at 4020 CARTERET DR, WINTER HAVEN, photo 4 of 27
Dining room - 4020 CARTERET DR, WINTER HAVEN
Primary Bedroom - 4020 CARTERET DR, WINTER HAVEN
Primary suite bathroom - 4020 CARTERET DR, WINTER HAVEN
Single Family Residence at 4020 CARTERET DR, WINTER HAVEN, photo 8 of 27
Single Family Residence at 4020 CARTERET DR, WINTER HAVEN, photo 9 of 27
Primary suite bathroom with tub and shower - 4020 CARTERET DR, WINTER HAVEN
Laundry room - 4020 CARTERET DR, WINTER HAVEN
In-law suite bathroom - 4020 CARTERET DR, WINTER HAVEN
Screened porch - 4020 CARTERET DR, WINTER HAVEN
Single Family Residence at 4020 CARTERET DR, WINTER HAVEN, photo 14 of 27
Property Floor plan - 4020 CARTERET DR, WINTER HAVEN
Single Family Residence at 4020 CARTERET DR, WINTER HAVEN, photo 16 of 27
Club House Pool - 4020 CARTERET DR, WINTER HAVEN
Single Family Residence at 4020 CARTERET DR, WINTER HAVEN, photo 18 of 27
Club House- Billiards Room - 4020 CARTERET DR, WINTER HAVEN
Club House- Event Center - 4020 CARTERET DR, WINTER HAVEN
Single Family Residence at 4020 CARTERET DR, WINTER HAVEN, photo 21 of 27
Club House- Board game room - 4020 CARTERET DR, WINTER HAVEN
Club House- Gym - 4020 CARTERET DR, WINTER HAVEN
Clubhouse - 4020 CARTERET DR, WINTER HAVEN
Single Family Residence at 4020 CARTERET DR, WINTER HAVEN, photo 25 of 27
Single Family Residence at 4020 CARTERET DR, WINTER HAVEN, photo 26 of 27
Love Where You Live - 4020 CARTERET DR, WINTER HAVEN
27 photos

$405,900

4020 CARTERET DR
WINTER HAVEN, FL 33884
Listed by Sofia Lovinsky · KELLER WILLIAMS ADVANTAGE III
Bedrooms
4
Bathrooms
3
Living area
2,282 sqft
Year built
2015

About this home

Seller is willing to offer funds towards Buyer's Closing Costs. Welcome to 4020 Carteret Dr in Winter Haven, a beautifully updated 4-bedroom, 3-bath home located in a desirable 55+ lakefront community with a 3-car garage offering comfort, convenience, and low-maintenance living in the heart of Central Florida. This thoughtfully designed home features stunning lake views, hardwood flooring, an updated kitchen with modern finishes, and stylish upgrades throughout. The spacious layout includes a mother-in-law suite, perfect for visiting family, guests, or additional privacy. Residents enjoy direct water access and a private community boat ramp, providing easy access to Winter Haven’s renowned Chain of Lakes, ideal for boating, fishing, and enjoying Florida’s outdoor lifestyle. The community also offers boat and water toy storage for a small fee, making it convenient to keep your boat or jet skis nearby and ready to use. One of the standout features of this home is the maintenance-free lifestyle. The HOA covers Cable, Internet, Exterior Home Maintenance including landscaping, mulch, and exterior painting, and More, allowing homeowners to enjoy their property without the typical upkeep responsibilities. Located just minutes from Cypress Gardens Boulevard, this home offers quick access to shopping, restaurants, grocery stores, golf courses, parks, and medical facilities. Residents are also close to LEGOLAND Florida Resort, and major roadways including US-27 and the Polk Parkway, making travel to Lakeland, Orlando, and Tampa convenient. If you’re searching for a Lake view home in Winter Haven, a low-maintenance home in a 55+ community, or a property with Ruby Lake access, 4020 Carteret Dr offers the perfect combination of location, lifestyle, and modern comfort in one of Polk County’s most established lake communities. Schedule a showing today!

Property details

MLS #
MFRO6389154
Property type
Single Family Residence
Subdivision
TRADITIONS PH 01
Status
Active
Days on market
186
On market date
March 10, 2026
Stories
N/A
Total bathrooms
3
Garage spaces
3
Parking spaces
N/A
Lot size
0.18 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card (e.g. NC Dept. of Public Instruction, SC Report Card).

Elementary
CHAIN OF LAKES ELEMENTARY SCHOOL
0.98 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,034
Student:teacher ratio
15.9:1
District
POLK
Middle
DENISON MIDDLE SCHOOL
5.03 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
758
Student:teacher ratio
19.0:1
District
POLK
High
WINTER HAVEN SENIOR HIGH SCHOOL
4.52 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
1.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
2,417
Student:teacher ratio
23.0:1
District
POLK

Walkability

Blended score for WINTER HAVEN's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

24
Car-dependent
out of 100
EPA National Walkability Index
7.8 / 20 -- Below average walkable
Google Places amenity density
0 / 100
Restaurants & cafes0
Grocery stores0
Parks0
Schools0
Transit stops0
Pharmacies0

Market position

How this listing compares to current activity in WINTER HAVEN, from live MLS data.

On the market 186 days -- 92 more days than WINTER HAVEN's current average of 94 days.
For reference, the median list price across 1,269 active listings in WINTER HAVEN right now is $247,500.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Est. monthly payment
$2,594/mo
$81,180 down
$324,720 loan
Principal & interest$2,106
Property tax (est.)$338
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 23 days ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.