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.

72 waterfront homes are for sale or pending in Winter Haven, FL today across 57 communities. The median asking price is $354,950, from $74,900 to $1,799,900. Listings in Winter Haven without that feature have a median of $382,450. Most listings right now: Island Lakes (4), Spring Lake Towers (4), Magnolia Shores (2). Updated September 8, 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
Island Lakes	4	0	$419,949	$379,000
Spring Lake Towers	4	0	$134,450	$99,900
Magnolia Shores	2	0	$1,049,925	$699,950
Waters Lake Mariam	2	0	$789,500	$760,000
Traditions Ph 01	2	0	$309,950	$309,900
Lakeside Landings Ph 01	2	0	$297,500	$290,000
Lucerne Shores	2	0	$267,000	$119,000
Interlaken Add	1	0	$1,250,000	$1,250,000
Lesnick Park	1	0	$1,150,000	$1,150,000
Otis Heights Sub	1	0	$949,000	$949,000
Lake Eloise Sub	1	0	$900,000	$900,000
Mirro Mac	1	0	$899,000	$899,000
Eloise Woods West Lake Florence	1	0	$865,000	$865,000
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
Ashton Covey	1	1	$582,194	$582,194
Hanna Sub	1	0	$520,000	$520,000
Valencia Wood Hills	1	0	$475,000	$475,000
Lake Ashton West Ph Ii North	1	0	$452,000	$452,000
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
Hartridge Hills	1	0	$439,900	$439,900
East View Pkwy	1	0	$425,000	$425,000
Eloise Woods Lake Roy Un	1	0	$389,000	$389,000
Cypresswood	1	0	$360,000	$360,000
Crystals Landing	1	0	$349,900	$349,900
Summerhaven Shores	1	0	$320,000	$320,000
Eloise Woods Lake Mariam Unit	1	0	$319,900	$319,900
Timber Wood	1	0	$299,950	$299,950
Lake Smart Estates	1	0	$280,000	$280,000
Buckeye Heights	1	0	$279,900	$279,900
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
Orchid Spgs Vill 100 Condo	1	0	$74,900	$74,900

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?

As of September 8, 2026, 72 Winter Haven, FL listings whose MLS record reports waterfront are active or pending, across 57 communities. The count updates with every MLS refresh.

What do waterfront homes cost in Winter Haven?

The median asking price today is $354,950, with listings from $74,900 to $1,799,900. Winter Haven listings without that feature have a median of $382,450.

Which Winter Haven community has the most waterfront homes for sale?

Island Lakes has the most right now (4), followed by Spring Lake Towers (4), Magnolia Shores (2), Waters Lake Mariam (2).

Is a waterfront home always in a flood zone?

Not always, but most direct-frontage parcels are in a FEMA special flood hazard area, which means a lender will require flood insurance. The elevation certificate and the exact zone for the parcel decide the premium; two homes on the same canal can differ by thousands a year.

Keep exploring Winter Haven

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.

Listings courtesy of Stellar MLS as distributed by MLS GRID.