David Ramirez
$273,9903 bd2.5 ba1,758 sqft$156 /sqft$2,172 /mo all-in ↓

2741 GLADIOLA ROAD, WINTER HAVEN, FL, 33884

Active13 days on marketListed Jul 10, 2026MLS #O6424142

Priced 4% below the WINTER HAVEN 33884 medianNew constructionTownhouseHARMONY ON LAKE ELOISE

About this home

2741 GLADIOLA ROAD

Under Construction. The Vale is one of our two-story townhome floorplans featured in our Harmony at Lake Eloise community in Winter Haven, Florida. Welcome to this stylish and modern townhome nestled in a serene community. Boasting three spacious bedrooms, two and a half luxurious baths, and a convenient two-car garage, this residence offers the perfect blend of comfort and functionality. This all-concrete block construction home is sure to please, with 1,758 square feet, 3 bedrooms ad 2 and a half bathrooms. Step inside to discover sleek, contemporary design elements complemented by high-end finishes throughout. Entertaining is a breeze, as this townhome features a spacious kitchen island, breakfast nook/dining area and a spacious walk-in pantry. The open-concept living area is ideal for both relaxation and entertainment, featuring a kitchen equipped with stainless-steel appliances, quartz countertops, and ample cabinet space. As you enter the foyer you are welcomed with a powder room, and a spacious family room overlooking a covered rear lanai, perfect for dining or simply soaking in the sunshine. Upstairs, the primary bedroom serves as a tranquil retreat, complete with a lavish ensuite bath featuring dual sinks and a separate walk-in shower. Two additional bedrooms offer flexibility for guests, home offices, or hobbies, while a convenient laundry room adds practicality to daily life. Experience the ultimate convenience with smart home technology integrated throughout, allowing you to control lighting, temperature, security, and more with ease. With energy-efficient features and modern amenities, this townhome provides a sophisticated urban lifestyle in a desirable location. Contact us today and find your home at Harmony at Lake Eloise. *Photos are of similar model but not that of the exact house. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability, and amenities are subject to change and prior sale at any time without notice or obligation. Please note that no representations or warranties are made regarding school districts or school assignments; you should conduct your own investigation regarding current and future schools and school boundaries.*

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

1,758

Sqft

0.08 ac

Lot size

1

Garage

2026

Year built

Two

Levels

$156

Per sqft

Pets allowed

Inside

FlooringCarpet · Luxury Vinyl
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorOpen Floorplan · PrimaryBedroom Upstairs · Smart Home · Solid Surface Counters · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesNortheast
ExteriorIrrigation System · Sidewalk · Sliding Doors

Community & fees

HOA fee$130/mo
Taxes (2025)$1,773/yr
PetsYes
CommunityClubhouse · Playground · Pool · Sidewalks

Utilities & systems

UtilitiesCable Available · Electricity Connected · Public · Sewer Connected · Water Connected
WaterPublic

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.

$2,172 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,613
FHA mortgage insurance (est.)$121
Property tax — 2025 actual bill$148
HOA fee — from the listing$130
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $9,590Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $9,590
Interest rate6.00%
Loan term

Estimated payment

$2,172/mo

Principal & interest$1,613
FHA mortgage insurance (est.)$121
Property taxes (actual bill)$148
HOA / condo fee$130
Est. insurance$160

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.

List $274K
$249KedgeAI estimate $261,243 · range $260K$265K$285K

vs edgeAI estimate

+4.9%

Days on market

13 vs 42 typical

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

Map of 2741 GLADIOLA ROAD

Drive times from this address

Walt Disney World52 min
Downtown Tampa61 min
Universal Orlando62 min
Downtown Orlando69 min
Tampa Int’l Airport (TPA)72 min
Orlando Int’l Airport (MCO)73 min

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

ElementaryElbert Elementary School★★★★
HighWinter Haven Senior High School★★★★★
MiddleDenison Middle School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Winter Haven market

Seller’s marketBalanced6.5 months of inventoryBuyer’s market

$285K$287K

Winter Haven median sold, yr/yr

97.3%

Sale-to-list ratio (12 mo)

Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 4% below the WINTER HAVEN 33884 median. See the full Winter Haven market guide →

Paper trail

This home's history

Jul 10, 2026Listed at $273,990 · 13 days on market since
2026Built · HARMONY ON LAKE ELOISE

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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 2741 GLADIOLA ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2741 GLADIOLA ROAD — 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.

Goes straight to David’s phone and CRM.

Straight answers

2741 GLADIOLA ROAD FAQs

What would the monthly payment be for 2741 GLADIOLA ROAD?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,172/mo — principal and interest, the actual property-tax bill, the $130/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 2741 GLADIOLA ROAD?+

The association fee works out to $130 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 2741 GLADIOLA ROAD?+

The most recent tax bill on record (2025) was $1,773. 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 2741 GLADIOLA ROAD?+

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 $273,990, this home is listed about 4% below the Winter Haven median of $285,000. The market section on this page shows how the area is trending.

Which schools are assigned to 2741 GLADIOLA ROAD?+

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.

Listing courtesy of DR HORTON REALTY OF CENTRAL FLORIDA LLC · Paul King. MLS #O6424142.

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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