Property listing for 912 Lake Jessie Dr, Winter Haven, FL, 33881
For SaleSingle Family Home

$699,900

912 Lake Jessie Dr, Winter Haven, FL, 33881

Versatile Lakefront Home on Winter Haven Chain — Income + Retreat

4 Bed · 3 Bath · 2,800 Sq Ft

Multi-unit, kosher kitchen, private dock on nearly half-acre lakefront

4

Beds

3

Baths

2,800

Sq Ft

1956

Built

0.5 acres

Lot

About 912 Lake Jessie Dr

What sets this property apart is its rare combination of true lakefront acreage and multi-unit flexibility — an ideal mix for investors, multi-generational households, or owners who want a generous main residence plus rental income. Located on the Winter Haven Chain of Lakes, 912 Lake Jessie Drive occupies nearly a half-acre and delivers sweeping water views, a private dock and room on the shoreline for boats — and yes, even seaplane parking is possible given the broad waterfront exposure and local seaplane activity.

Inside, the home reads like a carefully completed renovation. The seller brought the block-built structure fully up to modern codes: new septic, all-new windows, updated electrical and plumbing (pressure checked), new drywall, new flooring and contemporary fixtures throughout, and fresh stucco over the original block. The layout has been intentionally configured for flexibility — two fully updated units on the main floor plus a private, fully updated upstairs suite with a separate entrance. One unit was specifically set up as a kosher kitchen, giving the property immediate appeal for specialized tenants or family uses.

Function meets convenience outside as well: generous parking for six-plus vehicles, trailers or toys, and expansive yard space on the deep lot. The separate entrances make short-term rental operation (Airbnb/VRBO), long-term lease, or a mother-in-law configuration straightforward. Currently under management and presented turnkey, the house can perform immediately for rental income or provide private, comfortable lake living.

Neighborhood location is quietly desirable: a peaceful residential street with friendly neighbors and a short walk to grocery stores, casual eateries and neighborhood shops. For buyers who want a ready-to-run investment that doubles as an elegant family retreat on Florida’s famous Chain of Lakes, this property is a distinct opportunity. The seller may consider some financing options under FARBAR contracts when properly filed, creating additional purchase flexibility.

Home Highlights

Lakefront on Winter Haven Chain of LakesTwo updated main-floor units + private upstairs suiteKosher kitchen installedPrivate dock and waterfront accessNew septic, windows, stucco, electrical and plumbingNearly 0.5-acre lot with ample parkingTurnkey, currently under managementSeller may consider FARBAR seller financing

Property Features

Interior Features

  • Four bedrooms, three bathrooms
  • Two fully updated units on main floor
  • Private fully updated upstairs suite with separate entrance
  • Kosher kitchen configuration on main level
  • New flooring, drywall, and fixtures throughout
  • Updated electrical and plumbing (pressure checked)

Exterior & Lot

  • Direct frontage on Winter Haven Chain of Lakes
  • Private dock for boating and lake access
  • Nearly 0.5-acre lot
  • New septic system
  • All-new stucco over original block construction
  • Ample parking for 6+ vehicles, trailers, or toys
  • Room for seaplane parking (subject to regulations)

Location & Neighborhood

  • Short walk to grocery stores, local eateries, and shops
  • Quiet residential street with friendly neighbors
  • Under property management—turnkey for rental operations
  • May consider seller financing with proper FARBAR documentation

Walkability & Recreation

  • Walkability Rating: 60/100 — Some walkable amenities nearby
  • Lakefront access and private dock
  • Boating, fishing and watersports on the Chain of Lakes
  • Seaplane activity visible from the waterfront
  • Nearby neighborhood parks and local dining within short drives
  • Community recreation opportunities tied to lake lifestyle

Neighborhood & Location

This stretch of Winter Haven emphasizes waterfront living and community-minded neighborhoods. Residents enjoy easy access to the Chain of Lakes boating culture, nearby groceries and casual dining within a short walk, and the relaxed rhythms of central Florida living. The area attracts boaters, seasonal residents, and families who value outdoor water access and a quieter residential feel while remaining a short drive from larger retail and entertainment centers in Winter Haven and Polk County.

Market Insights

This listing is competitively priced at $699,900, which aligns with the valuation midpoint of approximately $700K and a price-per-square-foot of roughly $250 (valuation confidence 0.65). In the Winter Haven lakefront niche, supply is typically limited — waterfront parcels with private docks and multi-unit capability rarely come to market. That scarcity tends to support stronger buyer demand and shorter marketing times for well-positioned lake homes. For investors, the built-in multi-unit configuration and turnkey condition reduce time to revenue and increase yield potential in both short-term and long-term rental channels.

While broader Polk County residential market conditions can vary, specialty assets like chain-of-lakes waterfront homes often behave as a seller-favored segment because of constrained inventory and high lifestyle demand. Buyers should evaluate cash flow models against comparable short-term rental rates and local occupancy to quantify upside. For owner-occupiers, this listing offers an unusually large lot and privacy for the price bracket — making it attractive even when the general market cools. Given limited comparable inventory on Lake Jessie and nearby chains, this is a timely opportunity for buyers seeking waterfront exposure with immediate income options.

Walkability & Recreation

60
Walkability
85
Recreation

Excellent lake-based recreation with private dock access for boating, fishing and watersports; seaplane activity and multiple lakes on the Winter Haven Chain nearby for expanded outdoor options.

AI Valuation Estimate

Low

$672K

Midpoint

$700K

High

$728K

$250/SF estimated price per square foot

65% confidence

Derived from Redfin listing LD+JSON

This is a computer-generated estimate for informational purposes only and is not an appraisal or professional valuation.

Market & Area Data

Nearby Points of Interest

  • Direct frontage on Winter Haven Chain of Lakes
  • Private dock for boating and lake access
  • Ample parking for 6+ vehicles, trailers, or toys
  • Room for seaplane parking (subject to regulations)
  • Lakefront access and private dock
  • Boating, fishing and watersports on the Chain of Lakes
  • Nearby neighborhood parks and local dining within short drives
  • Community recreation opportunities tied to lake lifestyle

This stretch of Winter Haven emphasizes waterfront living and community-minded neighborhoods. Residents enjoy easy access to the Chain of Lakes boating culture, nearby groceries and casual dining within a short walk, and the relaxed rhythms of central Florida living. The area attracts boaters, seasonal residents, and families who value outdoor water access and a quieter residential feel while remaining a short drive from larger retail and entertainment centers in Winter Haven and Polk County.

Market data is based on aggregated public records and may not reflect real-time conditions.

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