ActiveOpen House

4050 Palma Ceia Cir, Winter Haven, FL, 33884

$312/sqft·Cypresswood Palma Ceia

3 bd4 ba2,820 sqft5 car garageSingle Family
Listed by KELLER WILLIAMS ADVANTAGE III· Last updated · MLS# O6420265

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

Est. monthly payment
$5,353/mo
Down payment (20%)
$175,800
Property taxes
$177/mo
HOA
$1,825/yr
Rate assumed
6.8% · 30 yr
View full breakdown

At a glance

Single family
Built 2026
Community pool
Fitness center too
5 car garage
Garage Faces Side
0.40 acres
Lot size
2,820 sqft
Living area

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
CYPRESSWOOD PALMA CEIA
Type
Single Family Residence

True monthly carry

HOA
~$152/mo
CDD bond
No CDD disclosed
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.

11-month inspection

Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.

Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

Open house

Sunday, Sep 20· 3:00 PM to 5:00 PM

Open House! Tour this brand new 2026 custom farmhouse in gated Cypresswood Golf & Country Club. This one story home features 3 bedrooms, 3.5 bathrooms, a home office, chef's kitchen, luxury finishes, outdoor kitchen, three bay garage, and golf course views on an almost half acre double lot. Enjoy resort-style amenities and easy access to Orlando, Tampa, and Lakeland. Don't miss this exceptional opportunity!

About this home

Ceiling Fans(s)High CeilingsPrimary Bedroom Main FloorSolid Wood CabinetsTray Ceiling(s)Walk-in Closet(s)Outdoor GrillOutdoor Kitchen

4050 Palma Ceia Cir is a 2026-built home in Cypresswood Palma Ceia, Winter Haven. Inside you'll find 3 bedrooms, 4 bathrooms, and 2,820 square feet of living space. Listed at $879,000 (about $312/sqft), 62 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $1,825 annually.

From the listing

Virtually Staged. *Special financing incentives may be available through the seller's preferred lender* Brand New 2026 Custom Farmhouse Blends Modern Luxury with Exceptional Craftsmanship. Welcome to 4050 Palma Ceia Circle, a stunning new construction one story farmhouse estate located within the gated Cypresswood Golf & Country Club in Winter Haven, Florida. Perfectly positioned on an almost half acre double front golf course lot, this exceptional residence offers the ideal combination of luxury, quality craftsmanship, and modern convenience. Thoughtfully designed for comfortable living and effortless entertaining, this home features 3 bedrooms, 3.5 bathrooms, a dedicated home office, elegant tray ceilings, luxury tile flooring throughout, and an open concept floor plan filled with natural light. The chef's kitchen is the heart of the home, showcasing a large center island, solid wood cabinetry, a generous walk in pantry, a dual fuel stove, and premium finishes that flow seamlessly into the living and dining areas. The primary bedroom offers a peaceful retreat with a large walk in closet and a spa inspired bath featuring a soaking tub and a beautifully tiled walk in shower. Step outside to the paver patio, complete with a fully equipped outdoor kitchen and outdoor shower, creating the perfect setting for relaxing or entertaining year round. Built with exceptional quality and energy efficiency in mind, the home features Huber ZIP System sheathing, James Hardie pre finished siding, Therma Tru exterior doors, an Atlas roofing system, Andersen double pane windows, and two tankless water heaters. The attached three bay garage includes attic storage above and is pre wired for a Level 2 EV charger and generator, offering future ready convenience and peace of mind. Residents enjoy resort style amenities including the 18 hole Ron Garl Championship Golf Course, junior Olympic swimming pool, tennis courts, pickleball courts, fitness center, clubhouse, restaurant, and bar. Conveniently located near Highway 27, I 4, and the Polk Parkway, this exceptional home provides easy access to Orlando, Tampa, Lakeland, and Central Florida attractions. Experience luxury golf course living at its finest. Schedule your private showing today.

The essentials

Built
2026
Price / sqft
$312
On market
64 days
Annual tax
$2,123
HOA
$1,825/yr
Flood zone
X · Low risk
Lot
17,228 sqft
Type
Single Family Residence

Location

4050 Palma Ceia Cir
Winter Haven, FL, 33884·33884 - Winter Haven / Cypress Gardens
Type
Single Family Residence
Year Built
2026
Lot
17,228 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Garage Faces Side
Days on Market
64
Ceiling Fans(s)
High Ceilings
Primary Bedroom Main Floor
Solid Wood Cabinets
Tray Ceiling(s)
Walk-in Closet(s)
Outdoor Grill
Outdoor Kitchen
Sprinkler Metered
Clubhouse
Deed Restrictions
Fitness Center
Gated Community - Guard
Golf Carts OK
Golf
Pool
Restaurant
Tennis Court(s)
Disposal
Exhaust Fan
Range Hood
Refrigerator
Tankless Water Heater

Elementary

Elbert Elem

Middle

Denison Middle

High

Winter Haven Senior

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

Flood Zone X

Annual Tax (2025)

$2,123

Parcel #

27-28-31-850506-000240

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

Cypresswood Palma Ceia

County

Polk

MLS Area

33884 - Winter Haven / Cypress Gardens

Lot Size

17,228 sqft

On Golf CourseSidewalkPaved
HOA
$1,825/yr
Palma Ceia HOA/Linda Goodrich
Date
Event
Price
8/27/2026
Price change
Source: Stellar MLS #O6420265
$879,000-2.3%
$312/sqft
7/9/2026
Listed for sale
Source: Stellar MLS #O6420265
$900,000
$319/sqft
Est. monthly payment$5,353/mo
Principal & interest$4,584
Property taxes$177
Insurance$440
HOA$152
Down payment20% · $175,800
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%. HOA is the fee reported on the listing. 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: $879,000
$875,000 – $879,000
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 64 after a $21,000 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

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