1185 State Road 540 WWinter Haven, FL 33880Sale Price: $579,000

  • Sale Price: $579,000
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Federal 30-year interest rate: 6.36% last updated on May 14, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.
  • $579,000Sale Price
  • 4Bedrooms
  • 3Full Bath
  • 3,407Square Feet

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It is not very often that a lakefront property like this comes available. You truly must experience this home in person! From the moment you enter, you'll be captivated with picturesque lake views coming through the oversized windows. This modern style home offers incredible views and luxury-style upgrades throughout 3400 square feet of blissful living space. With attention to detail, the owner took the existing small home down to 3 exterior walls and built this custom home in 2017! It has 4 bedrooms, 3 baths, tons of storage and bonus space. This home is NOT in a flood zone. There is NO HOA. It has .86 of an acre with 300 feet of lakefront on private Spirit Lake for fishing, kayaking, skiing and nature! Concrete block construction with Hardie Plank lap siding, aluminum metal roof, fenced yard with wide gate for boat, French drain system around front of house and no gutters to clean! The stunning kitchen features a gorgeous 10 foot walnut live-edge bar top from North Carolina, quartz counters, wood cabinets with soft close drawers and 42” uppers, ceramic tile backsplash, a corner “peanut shaped” shelf in kitchen pulls out to utilize the corner space, stainless appliances, walk-in pantry with built in spice rack. The great room has tray ceiling with beautiful exposed beams! The owner's suite has a beautiful view of the lake, a large walk in shower with dual shower heads and quartz wall, double sink vanity with quartz top and (2) walk in closets. Upstairs there is a large floored attic area with air conditioning, an extra bedroom with balcony and media room. On the first floor there is a Mother-In-Law suite with pocket door and sitting room that could convert to another bedroom. Other features include a new privacy fence, new well pump and water treatment system, gas hot water on demand, new septic system. Great location for access to Polk Parkway, Publix, etc. Frontage road is great for privacy and traffic control. Be sure to ask for the list of features and check out the “Book of Transformation” on the coffee table to see before and after photos! This fabulous book will stay with the home.

Property Details of 1185 State Road 540 W

Property Details

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Mortgage Calculator


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$
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Est. Mortgage:
$/month over payments
Federal 30-year interest rate: 6.36% last updated on May 14, 2026. * The above figures are estimates provided by Union Street Media using the FRED® API, and are not endorsed or certified by the Federal Reserve Bank of St. Louis. Check with your lender for actual interest rates.
Listed by Carolyn Christian,LLC of BULLFROG AND DOG REALTY INC

Listings courtesy of StellarMLS as distributed by MLS GRID. Based on information submitted to the MLS GRID as of May 19, 2026 1:39 PM EDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. IDX information is provided exclusively for consumers’ personal noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed by MLS GRID. The use of the MLS GRID Data may be subject to an end user license agreement.

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