Active

1019 W Lake Eloise Ter, Winter Haven, FL, 33884

$318/sqft·Lake Eloise

2 bd3 ba2,768 sqftSingle Family
Listed by HOGAN & ASSOCIATES REAL ESTATE FIRM· Last updated · MLS# B4902326

Ask anything about this home

Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

Est. monthly payment
$5,272/mo
Down payment (20%)
$176,000
Property taxes
$242/mo
Rate assumed
6.8% · 30 yr
View full breakdown

At a glance

Single family
Built 1974
Waterfront
Lake Privileges
Private pool
Gunite
0.37 acres
Lot size
2,768 sqft
Living area

About this home

Built-in FeaturesCathedral Ceiling(s)Ceiling Fans(s)Dry BarEat-in KitchenPrimarybedroom UpstairsSolid Wood CabinetsSplit Bedroom

1019 W Lake Eloise Ter is a 1974-built home in Lake Eloise Sub, Winter Haven. Inside you'll find 2 bedrooms, 3 bathrooms, and 2,768 square feet of living space. Listed at $880,000 (about $318/sqft), 27 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Major Price Reduction .....Welcome to an exceptional and truly distinctive lakefront estate with a private pool, defined by architectural artistry, refined character, and timeless Spanish-Mediterranean elegance. This 2-bedroom, 3-bath residence offers more than 3,700 square feet under roof, providing expansive, thoughtfully designed interiors ideal for both entertaining and serene everyday living. From the moment you enter, you are welcomed by an atmosphere of bespoke craftsmanship and enduring design. Exquisite brick archways, rich warm wood detailing, and three elegant wood-burning fireplaces establish a setting that is both inviting and unmistakably unique. The kitchen continues this elevated architectural story, showcasing custom extensive cabinetry, stone countertops, premium stainless steel appliances, and a dramatic brick-arched passage that serves as a striking focal point. Thoughtfully designed to capture the essence of the Florida lifestyle, the home opens to a private resort-style swimming pool set against a peaceful lakefront backdrop, creating an extraordinary environment for relaxation, refined entertaining, and sweeping waterfront views. Seamless indoor-outdoor transitions enhance the sense of openness throughout, making the residence equally suited as a distinguished full-time home or an exclusive private lakefront retreat. With its authentic Spanish-Mediterranean influence, handcrafted brick detailing, multiple fireplaces, resort-style pool, and premier waterfront location, a rare opportunity to own a residence of true individuality and lasting appeal—one that cannot be replicated. Schedule your private showing and experience the elegance and exclusivity of this remarkable lakefront offering.

The essentials

Built
1974
Price / sqft
$318
On market
29 days
Annual tax
$2,904
Flood zone
X · Low risk
Lot
16,326 sqft
Type
Single Family Residence

Location

1019 W Lake Eloise Ter
Winter Haven, FL, 33884·33884 - Winter Haven / Cypress Gardens
Type
Single Family Residence
Year Built
1974
Lot
16,326 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Faces Side
Pool
Gunite, In Ground, Tile
Waterfront
Lake Privileges
Days on Market
29
Built-in Features
Cathedral Ceiling(s)
Ceiling Fans(s)
Dry Bar
Eat-in Kitchen
Primarybedroom Upstairs
Solid Wood Cabinets
Split Bedroom
Stone Counters
Thermostat
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
Lighting
Private Entrance
Bar Fridge
Dishwasher
Disposal
Microwave
Refrigerator
Wine Refrigerator

Elementary

Chain O Lakes Elem

Middle

Denison Middle

High

Lake Region High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on fileFlood Zone X

Annual Tax (2025)

$2,904

Parcel #

26-29-04-664000-000053

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Lake Eloise Sub

County

Polk

MLS Area

33884 - Winter Haven / Cypress Gardens

Lot Size

16,326 sqft

In CountyLandscaped
Date
Event
Price
9/9/2026
Price change
Source: Stellar MLS #B4902326
$880,000-2.2%
$318/sqft
Price change
Source: Stellar MLS #B4902326
$900,000-18.2%
$325/sqft
8/13/2026
Listed for sale
Source: Stellar MLS #B4902326
$1,100,000
$397/sqft
Est. monthly payment$5,272/mo
Principal & interest$4,590
Property taxes$242
Insurance$440
Down payment20% · $176,000
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $880,000
$875,000 – $880,000
99.5% – 100% of listTops out right at the list price
80% of listList price
156 of the last 247 home closings in 33884 landed at this number or higher (63%). The median one sat 39 days before it went under contract, and this one is on day 29 after a $220,000 cut.

Sample: 247 closed home sales in 33884 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Keep exploring Tampa Bay

Pick up where you left off, or see what else is out there.