$94,900

0 Spirit Lake Road

Winter Haven, FL 33880

Active

Baths

0.16

Acres

◆Waterfront◆Water access◆$13/sqft

Land

Property type

7,035 sqft

Lot size

$13

Price / sq ft

No HOA

HOA dues

192

Days on market

Flood zone

About this home

LAKE FRONT PROPERY - A RARE FIND! Beautiful lake front property just waiting for your dream home. Enjoy beautiful sunsets and fish from your very own back yard. Property has been cleared and has a current survey available. Owner is a builder and has a house plan and site plan available should you choose to build with them.

Local Insight

At $13/sqft for waterfront land in Winter Haven's Chain of Lakes system, you're getting genuine lakefront access at a fraction of what you'd pay on the Butler Chain—but at 0.16 acres, this is a tight lot that limits what you can actually build, so verify setback requirements and whether the footprint works for your vision before committing. The no-HOA situation and X flood zone are both pluses for flexibility and insurance costs, but you'll want to confirm water access rights are actually deeded and usable, since "water access" on a postage-stamp parcel can sometimes be more theoretical than practical. This feels like a speculative flip play or a fishing access grab for someone already anchored in Winter Haven rather than a foundation for substantial construction.

AI-generated insight based on listing data and neighborhood context. Verify independently.

Estimated monthly payment

Principal & interest$480

Property taxes$11

Home insurance (est.)$43

Down payment

20%

$18,980 downRate

6.5%

Term

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history192 days on market

Status: Active
May 17, 2026
Listed$149,900
Sep 8, 2025
Price reduced$94,900

Facts & features

Property type: Land
Status: Active
Days on market: 192
Subdivision: Laurents Add
County: Polk
Price/sq ft: $13
Lot size: 7,035 sq ft
Lot category: 0 to less than 1/4
Flood zone: X (12105C0510G)
Annual taxes: $129 (2024)
Parcel #: 25-29-02-356700-000160
Zoning: RC
MLS #: L4955714

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HOA & Financial

Total monthly fees: $0/mo
Total annual fees: $0
Listing terms: Cash, Conventional, FHA
Ownership: Fee Simple

Exterior & Construction

Waterfront: Yes
Water access: Yes
Road surface: Paved

Utilities

Sewer: Public Sewer
Water source: Canal/Lake For Irrigation
Utilities: Cable Available, Public, Sewer Available

Listing Details

Listing date: 2025-09-08
On market date: 2025-09-08
Original list price: $149,900
MLS area: 33880 - Winter Haven/Eloise/JPV/Wahnetta
Listing AOR: Lakeland
Status changed: 2026-05-17
Tax legal description: LAURENTS ADD PB 36 PG 47 LOT 16 LESS R/W FOR SPIRIT LK RD

Flood risk

Minimal riskFEMA Zone XPanel 12105C0510G

Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

East on Polk Parkway to Winter Lake Road, South on Spirit Lake Road, Lot on Right side.

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Listings courtesy of Stellar MLS as distributed by MLS GRID

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Based on information submitted to the MLS GRID as of May 28, 2026 at 9:05 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

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