The Lakes in Lake Alfred

The Lakes Homes for Sale in Lake Alfred, FL

Lakefront and canal-front single-family homes by Highland Homes, ~1,878 to 3,315 sq ft · Off Mackay Blvd on Lake Haines · ZIP 33850

A lakefront and canal-front Highland Homes neighborhood on Lake Haines and the north Winter Haven Chain of Lakes in Lake Alfred, with a low HOA, no CDD reported by the builder, and boatable chain access as the differentiator; at close-out as of July 2026, with the market shifting to young resales.

Chain of Lakes accessLow HOA, no CDD reportedClose-out (final new home)
Live Market Pulse
50/100
Momentum
Buyer-Leaning Market (limited data)
Per the builder's site in July 2026, only one new home remains available (the Ryleigh, 1,878 sq ft, from $399,900), so treat this as a close-out and an emerging resale market. Pricing, availability, and incentives change quickly; confirm current figures with Highland Homes at 863-797-4999 and with a local agent.
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Unlock Off-Market The Lakes

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive realMLS data14 years of closingsLocal renovation analysisUpdated twice daily
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Jon Brooks, founder of Momentum Realty
Jon's Current Read

"The Lakes is Highland Homes' lakefront and canal-front neighborhood on Lake Haines in Lake Alfred, at the north end of the Winter Haven Chain of Lakes. The durable draws are the water positions, homesites on Lake Haines or the canal between Lake Haines and Lake Rochelle, the low fee structure, about $520 per year per the builder with no CDD reported, and Mackay Gardens and Lakeside Preserve across the street. The honest gaps: there is no clubhouse, pool, gate, or golf, no community-owned boat ramp is confirmed inside the neighborhood, and per the builder only one new home remained in July 2026, so selection is essentially gone and the market is shifting to young resales. The buy here is the water position and the low carry, not amenities. Verify the lot's exact water position and dock rules, the HOA scope, the CDD status on the Polk County tax roll, and current navigability of the chain for your boat before you pay a waterfront premium."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Lake Alfred sits at the north end of the Winter Haven Chain of Lakes, where ten lakes, including Lake Haines and Lake Rochelle, connect by navigable canals across Winter Haven, Lake Alfred, and Lake Hamilton. The Lakes sits directly on that geography: a Highland Homes neighborhood off Mackay Blvd, on the shores of Lake Haines, with select homesites on the lake, on the Haines-Rochelle canal, or on ponds and open space, and Mackay Gardens and Lakeside Preserve across the street.

The community built out in phases, with Phase 6, the final phase, carrying the lakefront and canal-front homesites. Per the builder's site in July 2026, only one new home remained available, the 1,878 sq ft Ryleigh from $399,900, with earlier phases marketed from the mid-$300s. Plans across the community ran roughly 1,878 to 3,315 square feet with 2- and 3-car garages, HOA dues of about $520 per year per the builder, and no CDD reported.

Best for

  • Buyers who want new or nearly new construction with boatable access to the north Winter Haven Chain of Lakes
  • Buyers who value a low HOA (about $520 per year per the builder) and no reported CDD over a clubhouse campus
  • Buyers who want a public boat ramp about 0.7 miles away and a 112-acre lakeside preserve across the street
  • Buyers who want US-17 about a mile away, Downtown Winter Haven about 4.8 miles, and I-4 reachable via SR 559

Probably not for

  • Buyers who want a resort clubhouse, pool, gated entry, or on-site golf
  • Buyers who need a wide selection of new inventory, since the community is at close-out
  • Buyers who assume a community-owned boat ramp or dock, which is not confirmed inside the neighborhood
  • Buyers who need to be minutes from Lakeland or Orlando employment without a highway commute

How The Lakes is performing right now

50/100
momentum
Buyer-Leaning Market (limited data)
Seller's marketBalancedBuyer's market
0Months of supplytight
24Median days on marketdays
0 : 0Under contract vs for salestrong demand
0Sold in last 12 monthsliquidity
+0%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from realMLS, as of July 3, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current The Lakes listings and the trailing twelve months of closed sales.

8.6A- score
Momentum intelligence
Momentum buy score

Our proprietary read on how a home in The Lakes buys, holds, and resells. See the five factors.

Listing locations from realMLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

The takeaway

The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

Lake Rochelle public boat rampAbout 0.7 miles · Public ramp onto Lake Rochelle and the north Chain of Lakes, per the builder
Mackay Gardens and Lakeside PreserveAcross the street · Roughly 112-acre public recreation area: trails, playground, dock on Lake Rochelle
US-17 / S Lake Shore WayAbout 1 mile · The corridor for errands, Winter Haven, and Auburndale
Downtown Winter HavenAbout 4.8 miles · Dining, shops, and services, per builder distance
I-4 via US-17 / SR 559Roughly 20 minutes · Through Polk City toward Orlando or Tampa; confirm your drive time
Legoland Florida / Walt Disney WorldLegoland in south Winter Haven; WDW about 26 miles · Per builder distances; confirm drive times for your routine

Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near The Lakes Homes for Sale in Lake Alfred, FL with Momentum Realty’s local guides.

IOIlakee Oaks Homes for Sale in Lake Alfred, FLLake Alfred, FL · 0.3 miLHLucerneShores Homes for Sale in Winter Haven, FLWinter Haven, FL · 0.3 miLCLake CummingsEstates Homes for Sale in Lake Alfred, FLLake Alfred, FL · 0.5 miSilverlake Homes for Sale in Lake Alfred, FLSilverlake Homes for Sale in Lake Alfred, FLLake Alfred, FL · 0.6 miLGLake GumEstates Homes for Sale in Lake Alfred, FLLake Alfred, FL · 0.7 miCLCodingtonin Lake Alfred Homes for SaleLake Alfred, FL · 0.7 miETEcho Terrace,Lake Alfred Homes for SaleLake Alfred, FL · 0.8 miLCLake CummingsEstates Homes for Sale in Lake Alfred, FLLake Alfred, FL · 0.8 miLALake AlfredEstates Homes for SaleLake Alfred, FL · 1.0 mi

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Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr
The Lakes (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take
  • Polk County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Confirm current ratings before relying on them
  • Private and parochial options nearby

The Lakes is served by Polk County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Public PK-5, Lake Alfred

Lake Alfred Elementary School

Public 6-8, Auburndale

Jere L. Stambaugh Middle School

Public 9-12, Auburndale

Auburndale Senior High School

Buying with schools in mind? We can confirm the exact zoned schools for any The Lakes address.

The takeaway

What is shaping value here is close-out plus scarcity: the builder reported only one new home remaining in July 2026, and the lakefront and canal-front positions on the Haines-Rochelle water cannot be reproduced by the competing inland communities. Verify current availability and resale comps directly, since close-out markets move fast.

Recent Developments in The Lakes

Our read on what is being built around The Lakes, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishNet positive

Close-out: final new home remaining

July 2026
BullishNotable impact
SignificanceRadius: Community

Per the builder's site, only one new home (the Ryleigh, from $399,900) remained in July 2026. Once new sales end, the community becomes a young-resale market with no on-site builder competition, which historically supports pricing for the best water lots.

Chain of Lakes water positions are finite

Ongoing
BullishNotable impact
SignificanceRadius: Community

Homesites on Lake Haines and on the canal between Lake Haines and Lake Rochelle offer boatable access to the ten-lake north chain. Competing new construction in the corridor is overwhelmingly inland, so these positions are a durable differentiator.

Heavy new-construction supply in the US-17 corridor

Ongoing
NeutralModerate impact
SignificanceRadius: Area

Silver Lake in Lake Alfred, VillaMar in Winter Haven, Eagle Hammock in Eagle Lake, and other Polk County communities keep adding inventory, which caps appreciation for interior, non-water lots even as it has little bearing on the lakefront and canal positions.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting The Lakes, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

    Development alerts for The LakesGet a short monthly email when something new is approved, funded, or opens near The Lakes.

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    Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

    If we were buying in The Lakes, this is the order of operations we would run, and the one we run for our clients.

    1

    Confirm current availability and pricing with the builder. Per Highland Homes' site in July 2026 only one new home remained, the Ryleigh from $399,900; close-out inventory and incentives change weekly, so call 863-797-4999 before assuming anything.

    2

    Pin down the water position of the lot: Lake Haines frontage, Haines-Rochelle canal frontage, pond, or open space, and confirm dock rules for water lots with the builder, the HOA documents, and permitting authorities.

    3

    Confirm the HOA figure and scope in writing. The builder lists $260 semi-annually (about $520 per year) through Highland Community Management; verify the current amount and any rules on docks, fences, and boat parking.

    4

    Verify the CDD status on the Polk County tax roll for the specific homesite; the builder reports no CDD, but confirm the actual tax bill before you budget.

    5

    Cross-shop the corridor: compare Silver Lake in Lake Alfred plus VillaMar in Winter Haven before you commit, and weigh the water access against their amenity packages.

    Best Buy
    A homesite on Lake Haines or the Haines-Rochelle canal, new or young resale, with the dock rules, HOA scope, and CDD status confirmed in writing
    Biggest Risk
    Paying a waterfront premium without verifying dock permissions and current chain navigability for your boat, or assuming a community boat ramp that is not confirmed
    Best Lot
    Lake Haines and canal-front lots over pond and interior lots
    Smart Timing
    At close-out with one new home remaining per the builder in July 2026; after that it is a young-resale market with thin water-lot inventory
    The takeaway

    On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

    Community Details at a Glance

    The Homes

    Product

    New-construction single-family homes by Highland Homes, roughly 1,878 to 3,315 sq ft across the community's plan lineup, three to five bedrooms, one- and two-story, with 2- and 3-car garages on homesites averaging about 75 by 120 feet (0.21 acres per the builder)

    Builder

    Highland Homes, a Lakeland-based Florida builder; Phase 6 is the final phase, with homesites on Lake Haines, on the canal between Lake Haines and Lake Rochelle, or on ponds and open space

    Status

    At close-out: per the builder's site in July 2026, only one new home remains (the Ryleigh plan, 3 bed, 2 bath, 1,878 sq ft, from $399,900), so this market is shifting from new construction to young resales

    Pricing

    Per builder pricing, July 2026, the final available new home is listed from $399,900; earlier phases were marketed from the mid-$300s. Confirm current pricing and incentives directly with Highland Homes

    Costs & Fees

    HOA

    Per the builder, HOA dues are $260 semi-annually (about $520 per year), administered through Highland Community Management; confirm the current figure and what it covers in writing before you offer

    CDD

    No CDD per the builder (July 2026); verify on the Polk County tax roll for the specific homesite before you write, since a CDD assessment would change the monthly carry

    Reality

    This is a low-fee neighborhood, not an amenitized master plan; the money is in the home and the water position on the north Winter Haven Chain of Lakes, not a clubhouse campus

    Amenities

    Chain of Lakes setting

    Nestled on the shores of Lake Haines on the north Winter Haven Chain of Lakes, ten lakes connected by navigable canals, with select homesites on the lake or on the canal between Lake Haines and Lake Rochelle

    Boating access

    The nearest public boat ramp, onto Lake Rochelle and the chain, is about 0.7 miles away per the builder; no community-owned boat ramp or dock is confirmed inside the neighborhood, so confirm water access for a specific lot with the builder or HOA

    Mackay Gardens and Lakeside Preserve

    Across the street from this roughly 112-acre Lake Alfred public recreation area, with hiking trails, a playground, event space, and a dock on Lake Rochelle (City of Lake Alfred park information)

    Everyday convenience

    About 1 mile from US-17 and about 4.8 miles from Downtown Winter Haven per the builder, with I-4 reachable via US-17 and SR 559 through Polk City

    Location

    Setting

    Northeast Polk County, ZIP 33850, off Mackay Blvd about a half mile east of US-17 / S Lake Shore Way in Lake Alfred, between Lake Haines and Lake Rochelle and across the street from Mackay Gardens and Lakeside Preserve

    Highways

    US-17 is about 1 mile away per the builder; I-4 is reachable via US-17 and SR 559 through Polk City for Orlando and Tampa, and US-92 connects toward Auburndale and Lakeland

    Errands

    Downtown Winter Haven is about 4.8 miles south per the builder, with Legoland Florida in south Winter Haven and Walt Disney World about 26 miles away per the builder

    The Homes & Style

    The Lakes is a lakefront and canal-front neighborhood of new single-family homes by Highland Homes in Lake Alfred, on the shores of Lake Haines at the north end of the Winter Haven Chain of Lakes. Phase 6 is the final phase, and per the builder's site in July 2026, only one new home remained available, so this market is shifting from new construction to young resales.

    The plan lineup across the community ran roughly 1,878 to 3,315 square feet, three to five bedrooms, one- and two-story, with 2- and 3-car garages, on homesites averaging about 75 by 120 feet, or roughly 0.21 acres per the builder.

    The last available new home, per builder pricing in July 2026, is the Ryleigh plan, a one-story 3-bedroom, 2-bath design of 1,878 square feet listed from $399,900; earlier phases were marketed from the mid-$300s. Confirm current pricing and any incentives directly with Highland Homes.

    Finishes per the builder include granite kitchen counters, stainless appliances, 36-inch staggered cabinets, and en-suite owner's baths with dual vanities and a tiled shower; select plans offered an in-law suite option.

    The positions that matter here are the water positions: homesites directly on Lake Haines, homesites on the canal between Lake Haines and Lake Rochelle, and homesites on ponds or open space. The lake and canal lots are the scarce ones.

    Because the community is at close-out, expect the resale market to take over quickly; a young Highland Homes resale on a water lot will price very differently from an interior pond lot, so read the position first.

    As always, confirm exact square footage, bedroom count, and options against the actual listing or builder contract, since aggregator sites round and mislabel.

    Living Here

    The draw at The Lakes is the water, not an amenity campus. The neighborhood sits between Lake Haines and Lake Rochelle on the north Winter Haven Chain of Lakes, ten lakes connected by navigable canals across Winter Haven, Lake Alfred, and Lake Hamilton.

    Select homesites back Lake Haines or the canal between Lake Haines and Lake Rochelle, which is the differentiator: boatable chain access from your own backyard on a builder-grade budget is rare in this corridor.

    For everyone else, the nearest public boat ramp, onto Lake Rochelle and the chain, is about 0.7 miles away per the builder. No community-owned boat ramp or dock inside the neighborhood is confirmed, so confirm water access arrangements for a specific lot with the builder or HOA.

    Across the street is Mackay Gardens and Lakeside Preserve, a roughly 112-acre City of Lake Alfred public recreation area with hiking trails, a playground, event space, and a dock on Lake Rochelle.

    Errands and commutes run through US-17, about 1 mile away per the builder, with Downtown Winter Haven about 4.8 miles south, Legoland Florida in south Winter Haven, and I-4 reachable via US-17 and SR 559 through Polk City for Orlando and Tampa; Walt Disney World is about 26 miles per the builder.

    There is no clubhouse, pool, gate, or golf on site; the HOA runs about $520 per year per the builder, and the builder reports no CDD, which keeps the carry low.

    The trade is simple: a low-fee neighborhood where the Chain of Lakes position does the work, versus the amenitized new-construction master plans nearby that charge for a clubhouse campus and often a CDD.

    Before You Offer

    Confirm the water position of the specific lot: directly on Lake Haines, on the canal between Lake Haines and Lake Rochelle, on a pond, or on open space. Those positions price very differently and will drive resale, so get the plat and survey, and confirm whether a private dock is permitted on a specific water lot with the builder, the HOA documents, and the applicable permitting authorities.

    Confirm the HOA figure and scope in writing. Per the builder, dues are $260 semi-annually, about $520 per year, through Highland Community Management; verify the current amount, what it covers, and any architectural rules that affect docks, fences, or boat parking.

    Verify the CDD status on the Polk County tax roll for the specific homesite. The builder reports no CDD, which is a genuine cost advantage against several nearby master plans, but do not assume; confirm the actual tax bill.

    If chain boating is the point, verify it: the north chain's lakes connect by canals, but water levels, canal clearances, and vessel size limits are real considerations, so confirm current navigability for your boat with local sources before you pay a waterfront premium.

    Comparisons

    The Lakes competes for the buyer who wants new or nearly new construction in the Lakeland-Winter Haven corridor with real water access. Against Silver Lake in Lake Alfred, the other new-construction name in the same small city, The Lakes offers the Chain of Lakes position, with lakefront and canal-front homesites, while Silver Lake competes on price and inventory; confirm current pricing and fees at both. Against VillaMar in Winter Haven and Lakeside Preserve in Lakeland, both Highland Homes communities, The Lakes trades bigger-community amenities for the boatable chain access and a lower fee structure; VillaMar in particular is a larger amenitized community, so compare the total monthly carry, not just the price. Against Eagle Hammock in Eagle Lake and the broader wave of Polk County new construction, The Lakes gives up scale and amenity campuses but holds the one thing the others cannot reproduce: homesites on Lake Haines and the Haines-Rochelle canal. The honest summary: The Lakes wins on the water position, the low fee, and the reported lack of a CDD, and gives ground on amenities, on-site inventory now that it is at close-out, and proximity to Lakeland employment.

    Who It Fits

    The Lakes fits the buyer who wants a new or nearly new single-family home with boatable access to the north Winter Haven Chain of Lakes, the buyer who values a low HOA and no reported CDD over a clubhouse campus, and the buyer who wants Mackay Gardens and Lakeside Preserve across the street with US-17 a mile away. It does not fit the buyer who wants resort amenities, a gated entry, or a large selection of new inventory, since the community is at close-out with one new home remaining per the builder in July 2026. Anyone considering The Lakes should confirm the specific lot's water position and dock rules, the HOA figure and scope in writing, the CDD status on the Polk County tax roll, and current school zoning by address with Polk County Public Schools.

    The takeaway

    Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

    The Entry

    A pond or open-space homesite, new close-out or young resale, the value way into the neighborhood with the low HOA and the public ramp 0.7 miles away.

    Lowest entry
    The Core

    A canal-front homesite on the Haines-Rochelle canal, boatable chain access from the backyard at a price below true lakefront.

    Most inventory
    The Top

    A direct Lake Haines lakefront homesite, the scarce positions on the open lake that anchor pricing in this community.

    Strongest resale

    Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

    The Entry
    A pond or open-space homesite, new close-out or young resale, the value way into the neighborhood with the low HOA and the public ramp 0.7 miles away.
    The Core
    A canal-front homesite on the Haines-Rochelle canal, boatable chain access from the backyard at a price below true lakefront.
    The Top
    A direct Lake Haines lakefront homesite, the scarce positions on the open lake that anchor pricing in this community.

    Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

    15-Second Take
    • Renovation math decides the deal
    • Better lots and views resell strongest
    • Roof and HVAC age drive the insurance quote
    • Interior lots are where buyers overpay
    Jon Brooks, Momentum Realty
    Operator Note

    Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

    New Highland Homes construction; minimal condition riskStrong
    Homesites on Lake Haines and the Haines-Rochelle canal with chain accessStrong
    Low HOA (~$520/year per builder) and no CDD reportedStrong
    Mackay Gardens and Lakeside Preserve across the street; public ramp 0.7 milesPositive
    No clubhouse, pool, gate, or confirmed community boat ramp; close-out inventoryKnow the trade

    Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

    Jon Brooks, Momentum Realty
    Operator Note

    The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

    5 Mistakes Buyers Make in The Lakes

    15-Second Take
    • Calling the listing agent (who works for the seller)
    • Misjudging the renovation budget
    • Overpaying for an interior lot
    • Underbudgeting the carrying costs
    • Skipping the roof, HVAC, and systems check

    The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

    The big Polk County master plans sell clubhouse campuses and charge a CDD for them. The Lakes sells a backyard on the Chain of Lakes, a $520-a-year HOA, and no CDD reported.

    Jon Brooks · Founder, Momentum Realty
    7.8B+ · Buy Score
    Resale Strength7.8/10
    Renovation Risk9.2/10
    Location Efficiency7.2/10
    Long-Term Defensibility8.4/10
    Carrying Cost Advantage8.8/10

    Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

    Why our read on The Lakes is different.

    Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live realMLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

    Live realMLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates
    Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

    Which Lots & Views Hold Value Best

    Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

    Value ($/sqft)
    $261 value$401 premium
    Lake / waterPreserveInterior

    Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from realMLS; for orientation, not an appraisal.

    15-Second Take
    • Direct Lake Haines lakefront lots carry the biggest premium
    • Canal-front lots on the Haines-Rochelle canal are the boatable middle tier
    • Pond and open-space lots are the value entry
    • New construction, so condition risk is minimal; the buy is the position
    • Confirm dock rules and chain navigability before paying a water premium

    The Lakes is new construction, so condition is not the variable; the water position is. Direct Lake Haines lakefront homesites are the scarce, price-anchoring positions, canal-front lots on the canal between Lake Haines and Lake Rochelle offer boatable chain access at a step down, and pond or open-space lots are the value entry with the same low fee structure. Average homesites run about 75 by 120 feet, roughly 0.21 acres, per the builder. Before paying any waterfront premium, confirm with the builder, the recorded HOA documents, and the applicable permitting authorities whether a private dock is permitted on the specific lot, and verify current chain navigability, water levels, and canal clearances for your actual boat with local sources. On resales, confirm the water position against the plat and survey rather than listing photos, since pond lots and canal lots can look similar from the backyard.

    The Lakes in 15 seconds.

    Best forBuyers who want a new or nearly new home with boatable access to the north Winter Haven Chain of Lakes and a low monthly carry.
    Biggest advantageLakefront and canal-front homesites on Lake Haines and the Haines-Rochelle canal, with an HOA around $520 per year and no CDD reported by the builder.
    Biggest riskAssuming a community boat ramp or dock that is not confirmed, or buying a waterfront premium without verifying dock rules and chain navigability.
    Sweet spotA Lake Haines or canal-front homesite with the water position, dock rules, HOA scope, and CDD status confirmed in writing.
    Avoid ifYou want a resort amenity campus, a gated entry, on-site golf, or a wide selection of new inventory at a community that is at close-out.

    HOA, CDD & Fees

    15-Second Take
    • Highland Homes neighborhood on Lake Haines and the Haines-Rochelle canal; close-out as of July 2026
    • HOA about $520 per year per the builder; confirm scope in writing
    • No CDD reported by the builder; verify on the Polk County tax roll
    • No clubhouse, pool, gate, or golf; the Chain of Lakes position is the amenity
    • No community boat ramp confirmed; public Lake Rochelle ramp about 0.7 miles away

    Per the builder, HOA dues are $260 semi-annually, about $520 per year, administered through Highland Community Management. Confirm the current figure and scope in writing before you offer. The builder reports no CDD for this community as of July 2026, which is a real cost advantage against several amenitized Polk County master plans, but verify the CDD status and the full assessment picture on the Polk County tax roll for the specific homesite, because an assessment would change the monthly math.

    Dues cover the common areas of a low-amenity neighborhood; there is no clubhouse, pool, or gate to fund. Confirm the exact scope in writing with the HOA or Highland Community Management, and review the recorded HOA documents for architectural rules that matter here, docks on water lots, fences, and boat or trailer parking, before you count on using the water the way you plan to.

    There is no on-site clubhouse, pool complex, golf course, or gated entry. The setting is the amenity: homesites on Lake Haines or the canal between Lake Haines and Lake Rochelle, the ten-lake north Winter Haven Chain of Lakes beyond them, Mackay Gardens and Lakeside Preserve across the street with trails, a playground, and a dock on Lake Rochelle, and a public boat ramp onto Lake Rochelle about 0.7 miles away per the builder.

    Community entryOff Mackay Blvd, Lake Alfred, FL 33850, about a half mile east of US-17 / S Lake Shore WayBuilder model center by appointment; driving-directions point per the builder is approximately 28.0820, -81.7221
    CDDNone per the builder (July 2026)Verify on the Polk County tax roll for the specific homesite before you offer
    Builder / statusHighland Homes; Phase 6 final phase, at close-out with one new home remaining per the builder, July 2026Plans roughly 1,878 to 3,315 sq ft; average homesite about 75 x 120 ft (0.21 acres) per the builder
    The takeaway

    Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

    Momentum listings (YTD)
    97.98%
    Sold-to-list ratio across the Jacksonville metro for our agents, sellers keeping more of their price.
    Market average (YTD)
    96.73%
    The broader metro average sold-to-list ratio over the same period.
    Momentum days on market
    64 days
    Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.
    Market days on market
    72 days
    The broader metro median over the same period.

    Sold-to-list and days-on-market figures reflect Momentum Realty listings versus the Jacksonville metro average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

    In The Lakes, condition and view decide your number

    Because buyers here are weighing your home against renovated comps and cross-shopping Silver Lake, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

    What is your The Lakes home worth?

    Get a no-obligation home value based on real comparable sales in The Lakes matched to your condition, lot, and view, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

    See homes for sale in The Lakes on the map →

    Real comps, not a Zestimate.

    The real cost & risk here

    Before the list price, the Florida math the portals skip. These are Polk County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

    $1,675/mo
    Polk County typical true cost to own
    $161/mo
    Polk County typical home insurance
    No CDD
    No community development district bond

    County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.

    The Lakes (Lake Alfred) Market Scorecard

    Thin data

    The Lakes (Lake Alfred) is currently a thin data. Limited supply, a median asking price of n/a.

    n/a
    Months supply
    n/a
    Median list
    n/a
    Median sold
    n/a
    Per sqft
    n/a
    Days on mkt
    0/0/0
    Active/Pend/Sold

    Go deeper: true cost calculator · affordability calculator.

    Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

    Frequently Asked Questions

    Where is The Lakes in Lake Alfred?
    In northeast Polk County, ZIP 33850, off Mackay Blvd about a half mile east of US-17 / S Lake Shore Way in Lake Alfred, on the shores of Lake Haines and across the street from Mackay Gardens and Lakeside Preserve. Downtown Winter Haven is about 4.8 miles south per the builder.
    Who is the builder at The Lakes?
    Highland Homes, a Lakeland-based Florida builder. Phase 6 is the community's final phase and carries the lakefront and canal-front homesites. The builder's Lake Alfred team is at 863-797-4999.
    Is The Lakes still selling new homes?
    Barely. Per the builder's site in July 2026, only one new home remained available, the Ryleigh plan, 3 bedrooms, 2 baths, 1,878 square feet, listed from $399,900. Availability changes quickly at close-out, so confirm current inventory directly with Highland Homes.
    What do homes cost at The Lakes?
    Per builder pricing in July 2026, the final available new home was listed from $399,900; earlier phases were marketed from the mid-$300s. As the community shifts to resales, pricing will depend heavily on the plan and the water position, so confirm current comps with a local agent.
    What size are the homes?
    The plan lineup across the community ran roughly 1,878 to 3,315 square feet, three to five bedrooms, one- and two-story, with 2- and 3-car garages, on homesites averaging about 75 by 120 feet (0.21 acres) per the builder. Confirm exact specs against the specific listing or contract.
    Are there lakefront homes at The Lakes?
    Yes. Select homesites sit directly on Lake Haines or on the canal between Lake Haines and Lake Rochelle, with the remainder on ponds or open space. The lake and canal positions are the scarce ones; confirm a specific lot's water position against the plat and survey, not listing photos.
    Can I boat the Chain of Lakes from The Lakes?
    The community sits on the north Winter Haven Chain of Lakes, ten lakes connected by navigable canals, including Lake Haines and Lake Rochelle. Water lots offer backyard access, and the nearest public boat ramp onto Lake Rochelle is about 0.7 miles away per the builder. Verify current navigability, water levels, and canal clearances for your boat with local sources.
    Does The Lakes have a community boat ramp or dock?
    No community-owned boat ramp or dock inside the neighborhood is confirmed. The builder points to the public Lake Rochelle ramp about 0.7 miles away and the dock at Mackay Gardens and Lakeside Preserve across the street. Confirm water-access arrangements and any private dock rights for a specific lot with the builder and the HOA documents.
    Does The Lakes have a clubhouse, pool, or gate?
    No. This is a low-amenity neighborhood with no clubhouse, pool complex, golf course, or gated entry. The setting is the amenity: the Chain of Lakes positions, plus Mackay Gardens and Lakeside Preserve, a roughly 112-acre public recreation area with trails, a playground, and event space, across the street.
    What are the HOA fees at The Lakes?
    Per the builder, $260 semi-annually, about $520 per year, administered through Highland Community Management. Confirm the current figure and exactly what it covers in writing, and review the recorded HOA documents for rules on docks, fences, and boat or trailer parking before you buy.
    Does The Lakes have a CDD?
    The builder reports no CDD for this community as of July 2026, which keeps the monthly carry lower than many amenitized Polk County master plans. Verify the CDD status and the full assessment picture on the Polk County tax roll for the specific homesite before you offer.
    What is Mackay Gardens and Lakeside Preserve?
    A roughly 112-acre City of Lake Alfred public recreation area directly across the street from The Lakes, with hiking trails, a playground, event space around the historic Mackay estate, and a dock on Lake Rochelle. It is public parkland, not a community amenity, so its hours and rules are set by the city.
    What schools are zoned for The Lakes?
    Polk County Public Schools serve the area; the builder lists Lake Alfred Elementary, Jere L. Stambaugh Middle, and Auburndale Senior High School, and also notes the Polk Pre-Collegiate Academy option. School attendance zones can change, so confirm current zoning by the specific address with Polk County Public Schools before you buy.
    What is the commute like from The Lakes?
    US-17 is about 1 mile away and Downtown Winter Haven about 4.8 miles per the builder. I-4 is reachable via US-17 and SR 559 through Polk City for Orlando or Tampa, US-92 connects toward Auburndale and Lakeland, Legoland Florida is in south Winter Haven, and Walt Disney World is about 26 miles per the builder. Confirm real drive times for your routine.
    How does The Lakes compare to Silver Lake, VillaMar, or Eagle Hammock?
    Silver Lake in Lake Alfred, VillaMar in Winter Haven, and Eagle Hammock in Eagle Lake all compete on new-construction price and, in VillaMar's case, amenities. The Lakes trades amenity campuses for what they cannot reproduce: homesites on Lake Haines and the Haines-Rochelle canal with boatable chain access, a low HOA, and no CDD reported. Compare the total monthly carry and the water access, not just the base price.
    Who should I call about buying in The Lakes?
    Call Momentum Realty at (904) 351-6461 or use the form on this page, and we will connect you with a Polk County specialist who knows the Chain of Lakes corridor, the close-out inventory, and the young-resale market here.
    Do I need my own agent to buy at The Lakes?
    Yes. The builder's on-site agent represents the builder. Your own agent represents only you, confirms the lot's true water position and dock rights, verifies the HOA and CDD math on the actual tax roll, negotiates close-out incentives, and structures the contract to protect you, at no cost to you in most builder transactions.
    Who is the best real estate agent for The Lakes?
    The best agent for The Lakes is one who actively works Lake Alfred and knows the community's pricing, HOA and CDD details, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for The Lakes.
    How do I find a top Lake Alfred real estate agent who knows The Lakes?
    Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows The Lakes and the wider Lake Alfred area.
    Can Momentum Realty connect me with an agent for The Lakes?
    Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your The Lakes purchase or sale - no call center and no pressure.
    Buyers who want a new or nearly new home with boatable access to the north Winter Haven Chain of LakesExcellent fit
    Buyers who value a low HOA (about $520 per year per the builder) and no reported CDD over a clubhouse campusExcellent fit
    Boaters who will use the Lake Haines and Haines-Rochelle canal positions or the public ramp 0.7 miles awayExcellent fit
    Buyers who want Mackay Gardens and Lakeside Preserve across the street and US-17 about a mile awayExcellent fit
    Buyers who will confirm the water position, dock rules, HOA scope, and CDD status in writing before offeringExcellent fit
    Buyers who want a resort clubhouse, pool complex, gated entry, or on-site golfProbably not
    Buyers who need a wide selection of new inventory, since only one new home remained per the builder in July 2026Probably not
    Buyers who assume a community-owned boat ramp or dock, which is not confirmed inside the neighborhoodProbably not
    Buyers who need to be minutes from Lakeland or Orlando employment without a highway commuteProbably not
    Buyers unwilling to verify dock permissions and chain navigability before paying a waterfront premiumProbably not

    Get the inside read on The Lakes

    Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your The Lakes home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

    We respond personally, usually the same day.

    You are all set.

    A Momentum Realty The Lakes specialist will reach out personally, usually the same day.

    Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Source: Data provided by realMLS.

    Zoom out before you decide: see the Duval County market guide or every community in the Neighborhood Finder.

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