Back to Search
4099 ISLAND LAKES DRIVE photo 1
4099 ISLAND LAKES DRIVE photo 2
4099 ISLAND LAKES DRIVE photo 3
4099 ISLAND LAKES DRIVE photo 4
4099 ISLAND LAKES DRIVE photo 5
4099 ISLAND LAKES DRIVE photo 6
4099 ISLAND LAKES DRIVE photo 7
4099 ISLAND LAKES DRIVE photo 8
4099 ISLAND LAKES DRIVE photo 9
4099 ISLAND LAKES DRIVE photo 10
4099 ISLAND LAKES DRIVE photo 11
4099 ISLAND LAKES DRIVE photo 12
4099 ISLAND LAKES DRIVE photo 13
4099 ISLAND LAKES DRIVE photo 14
4099 ISLAND LAKES DRIVE photo 15
4099 ISLAND LAKES DRIVE photo 16
4099 ISLAND LAKES DRIVE photo 17
4099 ISLAND LAKES DRIVE photo 18
4099 ISLAND LAKES DRIVE photo 19
4099 ISLAND LAKES DRIVE photo 20
4099 ISLAND LAKES DRIVE photo 21
4099 ISLAND LAKES DRIVE photo 22
4099 ISLAND LAKES DRIVE photo 23
4099 ISLAND LAKES DRIVE photo 24
4099 ISLAND LAKES DRIVE photo 25
1 / 25

4099 ISLAND LAKES DRIVE

Winter Haven, FL, 33881

Active

$379,000

3

Bedrooms

2

Bathrooms

1,603 sqft

Living Area

2006

Year Built

17,529

Lot Size (sqft)

$50

HOA / Quarterly

519

Days on Market

Dock Score™

DockOnly
34
Fair

What shaped this score

Dock present
Fits boats up to ~68ft (est.)
deep water
·Lake/Lagoon

DockOnly.com rating, not provided by the MLS or listing broker.

Dock & Water AccessMLS

Lake - Chain of Lakes

AI Aerial Imagery Detection

Dock DetectedSeawall DetectedDeep Water Indicators~58-78 ft dock

Detected by AI from open-source aerial mapping imagery and may not reflect current conditions. This information was not provided by the MLS or listing broker. Always verify dock infrastructure with the listing agent.

Navigation RouteDockOnly

Data sources: SFWMD AHED waterway polygons · FHWA National Bridge Inventory 2024 · Not provided by the MLS or listing broker.

Description

One or more photo(s) has been virtually staged. NEW ROOF 2/9/2026 + $10K PRICE IMPROVEMENT on 7/24! Now offered at another improved price, this waterfront home on Lake Rochelle delivers the best value currently available on the Winter Haven Chain of Lakes. Located in the desirable Island Lakes community, this well-maintained 3-bedroom, 2-bath home combines lakefront living, major recent updates, and everyday functionality. A brand new roof was installed in February 2026, offering added peace of mind and potential insurance advantages for the next owner. Fresh landscaping and new sod create excellent curb appeal, while the open split-bedroom floorplan provides comfortable living with beautiful natural light throughout. The spacious primary suite overlooks the water and includes a private bath and walk-in closet. The living and dining areas flow easily into the kitchen, making the home ideal for entertaining, weekend guests, or simply enjoying the lake lifestyle. Step outside and enjoy direct access to the Chain of Lakes with boating, fishing, kayaking, and sunset views right from your backyard. Conveniently located near shopping, dining, medical facilities, and major roadways while still offering a peaceful waterfront setting. Whether you’re looking for a primary residence, winter retreat, or investment opportunity, this property checks all the boxes for Florida lakefront living. Schedule your private showing today.

Schedule a Showing

See the property and tour the dock. A licensed waterfront specialist will arrange your private showing.

Select a date

Location

Winter Haven, FL, 33881

No price history available for this property.

Displayed by Blue Mar Real Estate Group Inc., Licensed Florida Real Estate Broker (DBPR CQ1018554) · [email protected]

Listing courtesy of KELLER WILLIAMS REALTY SMART 1 via Stellar MLS

Last checked: 10 hours ago

Listing updated: September 2, 2026

© 2026 Stellar MLS. All rights reserved. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of Stellar MLS. Information is deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change, or withdrawal.

IDX information is provided exclusively for consumers' personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

FEMA Flood Zone X

Minimal Flood Hazard

View FEMA Flood Map →
Loading nearby marinas…
Loading nearby sandbars…

Mortgage Calculator

Estimate your monthly payment for this waterfront property

20%

$75,800 down

%
Principal & Interest$1,967/mo
Property Tax (est. ~1.2%, varies by county)$379/mo
Home Insurance (est.)$250/mo
HOA Fees$17/mo
Total Monthly Payment$2,612
Loan Amount: $303,200Rate: 6.75%
Get Pre-Qualified

Estimated payments only. Actual rates and terms may vary.

$379,000Tour the dockSchedule a Showing
Navigation note: Navigation routes show the shortest mapped path to open water. A vessel taller than the binding bridge clearance may still reach open water via a longer alternate route that we don't currently map. Verify navigability with a local captain or surveyor before relying on it.