605 SARNER PASS WAY, WINTER HAVEN, FL, 33881
Active146 days on marketListed Mar 1, 2026MLS #G5108932
About this home
605 SARNER PASS WAY
This 4-bedroom, 2.5-bathroom home offers modern comfort, thoughtful design, and nearly convenience. Built in 2022, this spacious two-story residence is ideally situated on a desirable corner lot in Lake Lucerne community. The main level features an open-concept layout that connects the living room, dining area, and kitchen—perfect for everyday living and entertaining. The kitchen is features granite countertops, stainless-steel appliances, a large center island with seating, a deep sink, upgraded fixtures, abundant cabinetry, and generous prep space. A private office/den with double doors provides the flexibility for a home office, fitness room, study, or playroom. A convenient half bath is also located on the first floor. Upstairs, features a spacious primary primary bedroom with a large walk-in closet and a luxurious ensuite bathroom with dual vanities and an upgraded walk-in shower. The additional bedrooms is spacious for family and guests. The covered lanai overlooks a spacious backyard with plenty of room for entertaining, relaxing, and gardening. Residents of Lake Lucerne enjoy access to community amenities including two swimming pools, a playground, and beautifully maintained common areas. Located near Hwy 27 this home offers easy access to Orlando and Tampa. For added peace of mind, the roof, HVAC system, and water heater are all 4 years old. Owner financing available for qualified buyers, creating a unique opportunity for those seeking flexible financing options. Schedule your private showing today and discover everything this beautiful home has.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,676
Sqft
0.18 ac
Lot size
2
Garage
2022
Year built
Two
Levels
$149
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,160 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,160/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+0.2%
$/sqft vs Winter Haven actives
$149 vs $171
Days on market
146 vs 42 typical
Where $149/sqft sits among the 400 Winter Haven actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Winter Haven
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
WINTER HAVEN 33881 — neighborhood snapshot
Population
39,189
Median age
43.6
Median income
$53,867
Median home value
$177,400
Avg household
2.61
Households w/ children
3,730
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Haven market
$285K → $287K
Winter Haven median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
195 of 400
Winter Haven actives have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 63% above the WINTER HAVEN 33881 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 605 SARNER PASS WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$300,000
697 SARNER PASS WAY · same community
3 bd · 2 ba · 1,518 sqft · $198/sqft · 41 DOM
Sold · Jul ’26$349,990
280 MEREDITH BOULEVARD
5 bd · 3 ba · 2,531 sqft · $138/sqft · 0 DOM
Sold · Jul ’26$339,990
256 MEREDITH BOULEVARD
5 bd · 3 ba · 2,531 sqft · $134/sqft · 58 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 605 SARNER PASS WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 605 SARNER PASS WAY — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
605 SARNER PASS WAY FAQs
What would the monthly payment be for 605 SARNER PASS WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,160/mo — principal and interest, the actual property-tax bill, the $76/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 605 SARNER PASS WAY?+
The association fee works out to $76 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 605 SARNER PASS WAY?+
The most recent tax bill on record (2025) was $4,782. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 605 SARNER PASS WAY?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Winter Haven?+
At $399,000, this home is listed about 40% above the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 605 SARNER PASS WAY?+
Lake Alfred Polytech Academy (middle), Fred G. Garner Academy (elementary), Winter Haven Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$399,000 runs 63% above the WINTER HAVEN 33881 median — but at 2,676 sqft it's also 62% larger than the typical Winter Haven listing.
02Time on market is leverage
146 days on market against a Winter Haven median of 42 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $420,000, now $399,000 — a $21K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOMESMART · Nan Seelall LLC. MLS #G5108932.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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