4050 PALMA CEIA CIRCLE, WINTER HAVEN, FL, 33884
Active18 days on marketListed Jul 9, 2026MLS #O6420265
About this home
4050 PALMA CEIA CIRCLE
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.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,820
Sqft
0.4 ac
Lot size
5
Garage
2026
Year built
One
Levels
$319
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.
$5,683 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,683/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs Winter Haven actives
$319 vs $171
Days on market
18 vs 42 typical
Where $319/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
$285K → $287K
Winter Haven median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
195 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 216% 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 4050 PALMA CEIA CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$635,000
4006 PALMA CEIA CIRCLE · same community
3 bd · 3.5 ba · 2,720 sqft · $233/sqft · 3 DOM
Sold · Apr ’26$730,000
4030 PALMA CEIA CIRCLE · same community
3 bd · 3 ba · 2,541 sqft · $287/sqft · 173 DOM
Sold · Jul ’26$740,000
1787 LAKEHILL DRIVE
4 bd · 3.5 ba · 2,944 sqft · $251/sqft · 32 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 4050 PALMA CEIA CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4050 PALMA CEIA CIRCLE — 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
4050 PALMA CEIA CIRCLE FAQs
What would the monthly payment be for 4050 PALMA CEIA CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,683/mo — principal and interest, the actual property-tax bill, the $152/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 4050 PALMA CEIA CIRCLE?+
The association fee works out to $152 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4050 PALMA CEIA CIRCLE?+
The most recent tax bill on record (2025) was $2,123. 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 4050 PALMA CEIA CIRCLE?+
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 $900,000, this home is listed about 216% above the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4050 PALMA CEIA CIRCLE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ADVANTAGE III · Jessica Estrada. MLS #O6420265.
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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