Steeve Cadeau
$530,0005 bd4 ba3,021 sqft$175 /sqft$4,091 /mo all-in ↓

3205 LA SALLE STREET, WINTER HAVEN, FL, 33884

Active17 days on marketListed Jul 23, 2026MLS #L4963671

Private poolSingle Family ResidenceORLEANS

About this home

3205 LA SALLE STREET

Welcome to 3205 La Salle Street, where resort-style outdoor living, an exceptional floor plan, and modern elegance come together in the highly sought-after Orleans community. Built in 2023 by Ryan Homes, this beautifully upgraded Lynn Haven model offers 5 bedrooms, 4 full bathrooms, and 3,021 square feet of thoughtfully designed living space that perfectly balances everyday comfort with effortless entertaining. Situated on a beautifully landscaped corner lot featuring a paver driveway, lush tropical landscaping, and extra green space beyond the backyard, this property offers a setting rarely found in newer construction. The fully privacy-fenced backyard is your own private retreat, complete with a newly added saltwater pool, expansive covered lanai, and additional green space beyond the pool that enhances both privacy and the feeling of having an even larger backyard—perfect for entertaining, pets, or simply enjoying peaceful Florida evenings. Nestled between Lake Eloise and Lake Winterset within the intimate Orleans community of just 42 homesites, residents enjoy low HOA dues, no CDD fees, and select community canal access to Lake Eloise while being less than two miles from Publix, Starbucks, LEGOLAND, shopping, dining, and everyday conveniences. Inside, abundant natural light, soaring ceilings, and an open-concept design create a welcoming atmosphere from the moment you enter. A spacious flex room off the foyer offers endless possibilities as a formal dining room, home office, playroom, or additional living space. The expansive great room seamlessly connects to the chef-inspired kitchen, complete with quartz countertops, stainless steel appliances, a large center island, abundant cabinetry, and a walk-in pantry, creating the ideal gathering space for family and friends. One of this home's standout features is its exceptionally functional floor plan. The first-floor bedroom and adjacent full bathroom provide the perfect private space for guests or multigenerational living. Upstairs, the luxurious primary suite serves as a true retreat with two walk-in closets and a spa-inspired ensuite featuring dual vanities, a walk-in shower with a Roman-style seat, and a private water closet. A secondary upstairs bedroom enjoys the privacy of its own ensuite bathroom, while two additional generously sized bedrooms share a well-appointed guest bath. Completing the second level is an oversized loft, offering endless flexibility as a media room, game room, second family room, or homework space, along with a conveniently located upstairs laundry room. Better than new, this home has already been enhanced with thousands of dollars in premium upgrades, including a saltwater pool, irrigation well, generator-ready wiring, EV charging system wiring, an Ecobee smart thermostat, WiFi-enabled garage door opener, and energy-efficient construction throughout. The roof, HVAC system, water heater, and major kitchen appliances are all approximately two to three years old, providing added peace of mind for years to come. Offering an exceptional combination of luxury, functionality, outdoor living, and one of Winter Haven's most convenient locations, 3205 La Salle Street is truly better than new and ready to welcome its next owners.

Facts & features

The home at a glance

5

Bedrooms

4

Bathrooms

3,021

Sqft

0.2 ac

Lot size

2

Garage

2023

Year built

Two

Levels

$175

Per sqft

Private poolPets allowed

Inside

FlooringCarpet · Ceramic Tile · Concrete
AppliancesBuilt-In Oven · Dishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorEating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Solid Surface Counters · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Room · Upper Level
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco · Wood Frame
FoundationSlab
FacesSouthwest
ParkingDriveway · Garage Door Opener
ExteriorIrrigation System · Sliding Doors · Sprinkler Metered

Community & fees

HOA fee$75/mo
Taxes (2025)$6,019/yr
PetsYes
CommunityDeed Restrictions

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Street Lights
WaterPublic

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.

$4,091 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,120
FHA mortgage insurance (est.)$234
Property tax — 2025 actual bill$502
HOA fee — from the listing$75
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $18,550Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $18,550
Interest rate6.00%
Loan term

Estimated payment

$4,091/mo

Principal & interest$3,120
FHA mortgage insurance (est.)$234
Property taxes (actual bill)$502
HOA / condo fee$75
Est. insurance$160

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.

$/sqft vs Winter Haven actives

$175 vs $170

Days on market

17 vs 48 typical

Where $175/sqft sits among the 400 Winter Haven actives

57
82
108 · this home
86
34
33
$108–132$132–156$156–180$180–204$204–228$228+

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

Map of 3205 LA SALLE STREET

Drive times from this address

Walt Disney World47 min
Universal Orlando57 min
Downtown Orlando63 min
Downtown Tampa64 min
Orlando Int’l Airport (MCO)68 min
Tampa Int’l Airport (TPA)75 min

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

ElementaryElbert Elementary School★★★★
HighWinter Haven Senior High School★★★★★
MiddleDenison Middle School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Winter Haven market

Seller’s marketBalanced5.2 months of inventoryBuyer’s market

$283K$280K

Winter Haven median sold, yr/yr

97.2%

Sale-to-list ratio (12 mo)

193 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 86% above the WINTER HAVEN 33884 median. See the full Winter Haven market guide →

Paper trail

This home's history

Jul 23, 2026Listed at $530,000 · 17 days on market since
2023Built · ORLEANS

Reality check

What actually sold near 3205 LA SALLE STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3060 ROYAL STREETSold · Jul ’26

$379,000

3060 ROYAL STREET · same community

4 bd · 2 ba · 1,829 sqft · $207/sqft · 7 DOM

2566 PARTRIDGE DRIVESold · Jun ’26

$675,000

2566 PARTRIDGE DRIVE

4 bd · 3.5 ba · 3,005 sqft · $225/sqft · 22 DOM

4599 EMERALD PALMS DRIVESold · Nov ’25

$750,000

4599 EMERALD PALMS DRIVE

4 bd · 3 ba · 3,133 sqft · $239/sqft · 0 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.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3205 LA SALLE STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3205 LA SALLE STREET — before you fall in love.

See it in person

Schedule a tour

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Goes straight to Steeve’s phone and CRM.

Straight answers

3205 LA SALLE STREET FAQs

What would the monthly payment be for 3205 LA SALLE STREET?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,091/mo — principal and interest, the actual property-tax bill, the $75/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 3205 LA SALLE STREET?+

The association fee works out to $75 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3205 LA SALLE STREET?+

The most recent tax bill on record (2025) was $6,019. 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 3205 LA SALLE STREET?+

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 $530,000, this home is listed about 86% 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 3205 LA SALLE STREET?+

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.

Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Christine Hubbert. MLS #L4963671.

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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