1 LAKE ELOISE LANE, WINTER HAVEN, FL, 33884
Active178 days on marketListed Feb 6, 2026MLS #L4959150
About this home
1 LAKE ELOISE LANE
Don't miss out on this amazing 4/3 single-family home with a pool near Lake Eloise in winter Haven! the seller has recently spent 15k upgrading the St Augustine grass, pavers in front and around the pool, gutters as well as new duct work and dryer duct clean out, tree service and more! This remarkable home features a newer roof, HVAC, Water heater, Pool screen enclosure, pool pump, Flooring, Cabinets, Paint, Pool Solar, Granite counter tops, Walk in shower, a marcite pool, Pool deck coating, new flooring in several rooms, the garage has epoxy flooring, resurfaced showers and more. This home sits on a well-manicured lot that is almost 1/2 acre in size. Seeing is believing with this home so hurry and make your appointment soon!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,550
Sqft
0.45 ac
Lot size
2
Garage
2004
Year built
One
Levels
$206
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,872 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,872/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+2.2%
$/sqft vs Winter Haven actives
$206 vs $170
Days on market
178 vs 46 typical
Where $206/sqft sits among the 400 Winter Haven actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Winter Haven
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
WINTER HAVEN 33884 — neighborhood snapshot
Population
36,395
Median age
45.3
Median income
$70,516
Median home value
$269,400
Avg household
2.58
Households w/ children
3,777
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Haven market
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
192 of 400
Winter Haven actives have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 84% above the WINTER HAVEN 33884 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 1 LAKE ELOISE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$436,800
41 LAKE ELOISE LANE · same community
4 bd · 2 ba · 2,592 sqft · $169/sqft · 4 DOM
Sold · Oct ’25$372,490
4807 KHLOE COURT
5 bd · 3 ba · 2,601 sqft · $143/sqft · 173 DOM
Sold · Jun ’26$329,990
4121 GIORGIO DRIVE
5 bd · 3 ba · 2,447 sqft · $135/sqft · 30 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1 LAKE ELOISE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1 LAKE ELOISE LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
1 LAKE ELOISE LANE FAQs
What would the monthly payment be for 1 LAKE ELOISE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,872/mo — principal and interest, the actual property-tax bill, the $42/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 1 LAKE ELOISE LANE?+
The association fee works out to $42 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1 LAKE ELOISE LANE?+
The most recent tax bill on record (2025) was $4,168. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1 LAKE ELOISE LANE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Winter Haven?+
At $524,900, this home is listed about 84% above the Winter Haven median of $284,995. The market section on this page shows how the area is trending.
Which schools are assigned to 1 LAKE ELOISE LANE?+
Elbert Elementary School (elementary), Winter Haven Senior High School (high), Denison Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$524,900 runs 84% above the WINTER HAVEN 33884 median — but at 2,550 sqft it's also 53% larger than the typical Winter Haven listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
178 days on market against a Winter Haven median of 46 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $535,000, now $524,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY · John Carter. MLS #L4959150.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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