3831 GAINES DRIVE, WINTER HAVEN, FL, 33884
Active54 days on marketListed Jun 1, 2026MLS #L4962328
About this home
3831 GAINES DRIVE
Welcome to this immaculate dream home at 3831 Gaines Dr! This beautifully updated 3-bedroom + office home features an open floor plan with stunning upgrades throughout, including an updated kitchen, modern bathrooms, and spacious living areas designed for both comfort and entertaining. The gorgeous kitchen is complete with brand-new appliances and flows seamlessly into the main living space, creating the perfect atmosphere for family gatherings and everyday living. Additional upgrades include a Kinetico water filtration system and an allergen air filtration system to help provide cleaner water and improved indoor air quality throughout the home. Step outside to your own private oasis featuring a heated pool, incredible outdoor kitchen, and a perfectly maintained yard that makes outdoor living effortless year-round. This move-in-ready home truly has it all — luxury, comfort, thoughtful upgrades, and plenty of space to live, work, and entertain!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,678
Sqft
0.55 ac
Lot size
2
Garage
2005
Year built
Two
Levels
$289
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.
$4,953 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,953/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+23.5%
$/sqft vs Winter Haven actives
$289 vs $171
Days on market
54 vs 42 typical
Where $289/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 33884 — neighborhood snapshot
Population
36,395
Median age
45.3
Median income
$70,516
Median home value
$269,400
Avg household
2.58
Households w/ children
3,777
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)
196 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 172% above the WINTER HAVEN 33884 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 3831 GAINES DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$550,000
3805 GAINES DRIVE · same community
4 bd · 3 ba · 3,225 sqft · $171/sqft · 112 DOM
Sold · May ’26$1,600,000
3826 GAINES COURT · same community
6 bd · 5.5 ba · 5,400 sqft · $296/sqft · 62 DOM
Sold · Feb ’26$1,460,000
3824 GAINES DRIVE · same community
7 bd · 6 ba · 7,448 sqft · $196/sqft · 105 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 3831 GAINES DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3831 GAINES DRIVE — 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
3831 GAINES DRIVE FAQs
What would the monthly payment be for 3831 GAINES DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,953/mo — principal and interest, the actual property-tax bill, the $27/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 3831 GAINES DRIVE?+
The association fee works out to $27 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3831 GAINES DRIVE?+
The most recent tax bill on record (2025) was $3,522. 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 3831 GAINES DRIVE?+
The listing reports pets: No. 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 $775,000, this home is listed about 172% 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 3831 GAINES DRIVE?+
Elbert Elementary School (elementary), Winter Haven Senior High School (high), Denison Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of THE MARKET REALTY COMPANY · Vikki Thielen. MLS #L4962328.
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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