120 MORNING GLORY CIRCLE, WINTER HAVEN, FL, 33884
Active24 days on marketListed Jul 9, 2026MLS #P4939230
About this home
120 MORNING GLORY CIRCLE
Every Detail Has Been Thoughtfully Designed. Every Upgrade Has Been Thoughtfully Completed. Showcasing numerous high-quality updates, this exceptional home features a custom kitchen with 42-inch upper cabinetry, redesigned lower cabinetry, granite countertops, stainless steel appliances, a Bryant HVAC system, newer water heater, and energy-efficient replacement windows. Welcome to a home where quality craftsmanship, modern style, and everyday comfort come together effortlessly. Nestled on a beautifully landscaped nearly half-acre homesite overlooking peaceful Garden Lake, this impeccably maintained 3-bedroom, 2-bath residence offers the perfect balance of privacy, sophistication, and smart-home convenience. A natural privacy hedge of mature hibiscus surrounds the backyard, creating a tranquil setting that is increasingly difficult to find. From the screened front entry to the spacious screened lanai, every space has been designed to embrace Florida living while showcasing the exceptional care invested throughout the home. Inside, the open-concept floor plan is warm, inviting, and filled with natural light. Smart-home technology allows you to control the lighting, electric fireplace, and garage door opener with ease, while tasteful finishes and thoughtful updates create a contemporary feel that is as functional as it is beautiful. At the heart of the home is a beautifully designed kitchen featuring granite countertops, a farmhouse sink, elegant 42-inch upper cabinetry, redesigned lower cabinetry, recessed lighting, stainless steel appliances, and generous workspace. The open layout is ideal for entertaining while maintaining a warm, inviting atmosphere for everyday living. The attention to detail continues throughout with beautiful flooring, updated lighting, refreshed bathrooms with granite countertops and modern fixtures, energy-efficient Low-E replacement windows, and countless improvements that reflect exceptional ownership. Outdoor living is equally impressive. Relax year round on the newly screened lanai with its attractive epoxy floor and premium UV-protective screening provides the perfect place to relax while enjoying peaceful views of Garden Lake. This private outdoor retreat is sure to become a favorite gathering place. Significant improvements—including a Bryant HVAC system, water heater, energy-efficient Low-E windows, updated exterior paint, smart garage door opener, and numerous additional upgrades—offer the peace of mind every buyer is looking for. Completing the home is a long-lasting clay tile roof that adds timeless character and enhances the home’s exceptional curb appeal. Located within the highly sought-after gated community of Winterset, residents enjoy exceptional amenities including a heated pool and spa, clubhouse, tennis courts, beautifully maintained grounds, private boat ramp and dock on Lake Winterset, and access to the renowned Winter Haven Chain of Lakes—all with a low HOA. Thoughtfully updated. Beautifully maintained. Perfectly positioned. A home that feels brand new—without the wait.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,930
Sqft
0.45 ac
Lot size
2
Garage
2001
Year built
One
Levels
$179
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.
$2,634 /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
$2,634/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
+15%
$/sqft vs Winter Haven actives
$179 vs $170
Days on market
24 vs 42 typical
Where $179/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)
189 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 21% 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 120 MORNING GLORY CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$299,000
103 MORNING GLORY CIRCLE · same community
3 bd · 2 ba · 2,021 sqft · $148/sqft · 48 DOM
Sold · Sep ’25$293,000
104 MORNING GLORY CIRCLE · same community
3 bd · 2 ba · 1,806 sqft · $162/sqft · 90 DOM
Sold · Mar ’26$275,000
100 MORNING GLORY CIRCLE · same community
3 bd · 2 ba · 1,504 sqft · $183/sqft · 55 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 120 MORNING GLORY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 120 MORNING GLORY 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
120 MORNING GLORY CIRCLE FAQs
What would the monthly payment be for 120 MORNING GLORY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,634/mo — principal and interest, the actual property-tax bill, the $52/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 120 MORNING GLORY CIRCLE?+
The association fee works out to $52 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 120 MORNING GLORY CIRCLE?+
The most recent tax bill on record (2025) was $2,858. 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 120 MORNING GLORY 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 $345,000, this home is listed about 21% 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 120 MORNING GLORY 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 LPT REALTY, LLC · Laurie Nock. MLS #P4939230.
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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