$405,900
4020 Carteret Drive
Winter Haven, FL 33884
Listing updated: June 1, 2026 at 3:44 PM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
NEW PRICE ADJUSTMENT-Seller is willing to offer 3K 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!
Estimated monthly payment
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 history83 days on market
- Status: ActiveMar 10, 2026
- Listed$419,900Mar 10, 2026
- Price reduced$405,900
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 83
- Subdivision
- Traditions Ph 01
- County
- Polk
- Year built
- 2015
- Living area
- 2,282 sq ft
- Price/sq ft
- $178
- Building area
- 3,062 sq ft (Public Records)
- Lot size
- 7,998 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X (12105C0535H)
- Garage
- 3 spaces
- Annual taxes
- $3,537 (2025)
- Parcel #
- 26-29-13-687552-000650
- MLS #
- O6389154
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Interior Details
- Bedrooms
- 4
- Full bathrooms
- 3
- Flooring
- Hardwood, Tile
- Appliances
- Cooktop, Dishwasher, Microwave, Range, Refrigerator
- Interior features
- Ceiling Fans(s), Crown Molding, Kitchen/Family Room Combo, Open Floorplan, Stone Counters, Walk-In Closet(s)
- Laundry
- Inside, Laundry Room
- Stories / Levels
- One
- Direction faces
- South
- In-law suite
- Yes
Heating & Cooling
- Heating
- Central, Electric
- Cooling
- Central Air
Parking
- Garage spaces
- 3
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $484 / Monthly
- Monthly HOA
- $484/mo
- Total monthly fees
- $484/mo
- Total annual fees
- $5,808
- HOA name
- Leland Management/Dolcy Murchison
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 1-2 Years
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Leasing Restrictions to be Independently Verified by Buyer/s - Please refer to the community HOA office, covenants, deeds, and restrictions.
- Approval process
- Buyer/s to verify with HOA.
Exterior & Construction
- Exterior features
- Sidewalk
- Construction materials
- Block, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Water access
- Yes
- Water view
- Yes
- Road surface
- Asphalt, Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Connected, Electricity Connected, Phone Available, Public, Sewer Connected, Underground Utilities, Water Available, Water Connected
Community
- Pets allowed
- Yes
- Senior community
- Yes
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | First | 18x16 |
| Living Room | First | 18x18 |
| Primary Bedroom | First | 14x13 |
| Bedroom 2 | First | 12x14 |
| Bedroom 3 | First | 12x10 |
| Office | First | 8x10 |
Listing Details
- Listing date
- 2026-03-10
- On market date
- 2026-03-10
- Original list price
- $419,900
- Occupant type
- Owner
- MLS area
- 33884 - Winter Haven / Cypress Gardens
- Listing AOR
- Orlando Regional
- Status changed
- 2026-03-10
- Tax legal description
- TRADITIONS PHASE 1 PLAT BOOK 131 PGS 47 THRU 54 LOT 65
Flood risk
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
From US-27, head east on Cypress Gardens Blvd (FL-540). Continue approximately 3 miles, then turn right onto Overlook Drive. Turn left onto Carteret Drive and continue straight. The home at 4020 Carteret Dr will be on your right.
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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 June 1, 2026 at 3:44 PM 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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