Waterfront Homes for Sale in Winter Haven, FL
This page tracks every Winter Haven listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.
66 waterfront homes are for sale or pending in Winter Haven, FL today across 55 communities. The median asking price is $339,950, from $80,000 to $1,399,900. Listings in Winter Haven without that feature have a median of $280,000. Most listings right now: Spring Lake Towers (4), Island Lakes (3), Magnolia Shores (2). Updated September 27, 2026 from the MLS.
Winter Haven waterfront homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Waterfront Homes | New build | Median list | From |
|---|---|---|---|---|
| Spring Lake Towers | 4 | 0 | $134,450 | $99,900 |
| Island Lakes | 3 | 0 | $434,900 | $379,000 |
| Magnolia Shores | 2 | 0 | $1,024,900 | $649,900 |
| Traditions Ph 01 | 2 | 0 | $309,950 | $309,900 |
| Lakeside Landings Ph 01 | 2 | 0 | $294,950 | $290,000 |
| Lesnick Park | 1 | 0 | $1,150,000 | $1,150,000 |
| Otis Heights Sub | 1 | 0 | $949,000 | $949,000 |
| Mirro Mac | 1 | 0 | $899,000 | $899,000 |
| Lake Eloise Sub | 1 | 0 | $880,000 | $880,000 |
| Eloise Woods West Lake Florence | 1 | 0 | $865,000 | $865,000 |
| Waters Lake Mariam | 1 | 0 | $750,000 | $750,000 |
| Orchid Springs Unrecorded | 1 | 0 | $750,000 | $750,000 |
| Cypresswood Palma Ceia | 1 | 0 | $749,000 | $749,000 |
| Hart Lake Hills Ph 01 | 1 | 0 | $699,000 | $699,000 |
| Leisure Shores | 1 | 0 | $678,000 | $678,000 |
| Pollard Shores | 1 | 0 | $615,000 | $615,000 |
| Hanna Sub | 1 | 0 | $520,000 | $520,000 |
| Hutchinson Add | 1 | 0 | $460,000 | $460,000 |
| Lake Rochelle Estates | 1 | 0 | $450,000 | $450,000 |
| Lake Thomas Woods Eight Add | 1 | 0 | $450,000 | $450,000 |
| Lake Ashton West Ph 2 South | 1 | 0 | $449,900 | $449,900 |
| Hendersons Ext Kenilworth Park | 1 | 0 | $449,000 | $449,000 |
| Lake Ashton West Ph Ii North | 1 | 0 | $444,000 | $444,000 |
| Lucerne Shores | 1 | 0 | $415,000 | $415,000 |
| East View Pkwy | 1 | 0 | $410,000 | $410,000 |
| Overlook Estates East | 1 | 0 | $409,900 | $409,900 |
| Eloise Woods Lake Roy Un | 1 | 0 | $389,000 | $389,000 |
| Lake Dexter Moorings | 1 | 0 | $359,000 | $359,000 |
| Cypresswood | 1 | 0 | $355,000 | $355,000 |
| Crystals Landing | 1 | 0 | $349,900 | $349,900 |
| Lake Ashton West Ph 01 | 1 | 0 | $330,000 | $330,000 |
| Summerhaven Shores | 1 | 0 | $320,000 | $320,000 |
| Timber Wood | 1 | 0 | $299,950 | $299,950 |
| Eloise Woods Lake Mariam Unit | 1 | 0 | $299,900 | $299,900 |
| Lake Smart Estates | 1 | 0 | $280,000 | $280,000 |
| Leslie J A Sub | 1 | 0 | $258,000 | $258,000 |
| Vienna Square Phase 3A | 1 | 1 | $248,000 | $248,000 |
| Villamar Ph 5 | 1 | 0 | $237,490 | $237,490 |
| Villamar Ph 6 & Ph 6D | 1 | 0 | $225,000 | $225,000 |
| Waters Edge Unit 01 A Rep 02 | 1 | 0 | $224,900 | $224,900 |
| Lucerne Park Fruit Assn | 1 | 0 | $220,000 | $220,000 |
| Waters Edge Unit 1 Replat | 1 | 0 | $205,000 | $205,000 |
| Waters Edge Unit 01 A Rep | 1 | 0 | $199,950 | $199,950 |
| Winterset 01 A Condo 02 Amd | 1 | 0 | $199,000 | $199,000 |
| Vienna Square | 1 | 0 | $197,900 | $197,900 |
| Lake N Golf Estates Add | 1 | 0 | $195,000 | $195,000 |
| Hartridge Landing | 1 | 0 | $184,900 | $184,900 |
| Winterset 02 A Condo Ph 01 | 1 | 0 | $178,500 | $178,500 |
| Country Lake Condo Ph 01 | 1 | 0 | $169,500 | $169,500 |
| Lake Point Landing | 1 | 0 | $159,000 | $159,000 |
| Garden Grove Oaks | 1 | 0 | $145,000 | $145,000 |
| Winter Haven Harbour Apts Condo | 1 | 0 | $125,000 | $125,000 |
| Lamplighter Village | 1 | 0 | $124,800 | $124,800 |
| Imperial Harboursphases 01 & 02 | 1 | 0 | $107,000 | $107,000 |
| Imperial Harbours Ph I | 1 | 0 | $80,000 | $80,000 |
What waterfront ownership really costs
Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.
Questions to ask about any waterfront listing
Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.
Common questions
How many waterfront homes are for sale in Winter Haven?
What do waterfront homes cost in Winter Haven?
Which Winter Haven community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
Keep exploring Winter Haven
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- Waterfront Homes in every city
Live data: Stellar MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Winter Haven, FL whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.