CENTURY 21 Edge
$1,100,0002 bd3 ba2,768 sqft$397 /sqft$6,750 /mo all-in ↓

1019 W LAKE ELOISE TERRACE, WINTER HAVEN, FL, 33884

Active3 days on marketListed Aug 13, 2026MLS #B4902326

WaterfrontPrivate poolSingle Family ResidenceLAKE ELOISE SUB

About this home

1019 W LAKE ELOISE TERRACE

Welcome to an exceptional and truly distinctive lakefront estate with a private pool, defined by architectural artistry, refined character, and timeless Spanish-Mediterranean elegance. This 2-bedroom, 3-bath residence offers more than 3,700 square feet under roof, providing expansive, thoughtfully designed interiors ideal for both entertaining and serene everyday living. From the moment you enter, you are welcomed by an atmosphere of bespoke craftsmanship and enduring design. Exquisite brick archways, rich warm wood detailing, and three elegant wood-burning fireplaces establish a setting that is both inviting and unmistakably unique. The kitchen continues this elevated architectural story, showcasing custom extensive cabinetry, stone countertops, premium stainless steel appliances, and a dramatic brick-arched passage that serves as a striking focal point. Thoughtfully designed to capture the essence of the Florida lifestyle, the home opens to a private resort-style swimming pool set against a peaceful lakefront backdrop, creating an extraordinary environment for relaxation, refined entertaining, and sweeping waterfront views. Seamless indoor-outdoor transitions enhance the sense of openness throughout, making the residence equally suited as a distinguished full-time home or an exclusive private lakefront retreat. With its authentic Spanish-Mediterranean influence, handcrafted brick detailing, multiple fireplaces, resort-style pool, and premier waterfront location, a rare opportunity to own a residence of true individuality and lasting appeal—one that cannot be replicated. Schedule your private showing and experience the elegance and exclusivity of this remarkable lakefront offering.

Facts & features

The home at a glance

2

Bedrooms

3

Bathrooms

2,768

Sqft

0.37 ac

Lot size

1974

Year built

Multi/Split

Levels

$397

Per sqft

Private poolWaterfrontFireplacePool & Trees/Woods & Water view

Inside

FlooringCarpet · Tile · Hardwood
AppliancesBar Fridge · Dishwasher · Disposal · Microwave · Refrigerator · Wine Refrigerator
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Dry Bar · Eating Space In Kitchen · PrimaryBedroom Upstairs · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryWasher Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationBlock
ViewPool · Trees/Woods · Water
FacesWest
ParkingDriveway · Garage Faces Side
ExteriorFrench Doors · Irrigation System · Lighting · Private Entrance

Community & fees

Taxes (2025)$2,904/yr

Utilities & systems

UtilitiesCable Connected · Electricity Connected · 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 — not generic estimates.

$6,750 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,936
PMI (est., until 20% equity)$413
Property tax — 2025 actual bill$242
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $110,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $110,000
Interest rate6.00%
Loan term

Estimated payment

$6,750/mo

Principal & interest$5,936
PMI (est., until 20% equity)$413
Property taxes (actual bill)$242
Est. insurance$160

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

$397 vs $169

Days on market

3 vs 49 typical

Where $397/sqft sits among the 400 Winter Haven actives

109
218
50
12
8
3 · this home
$98–148$148–198$198–248$248–298$298–348$348+

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 1019 W LAKE ELOISE TERRACE

Drive times from this address

Walt Disney World50 min
Universal Orlando60 min
Downtown Tampa61 min
Downtown Orlando66 min
Orlando Int’l Airport (MCO)71 min
Tampa Int’l Airport (TPA)72 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 marketBalanced5.0 months of inventoryBuyer’s market

$283K$280K

Winter Haven median sold, yr/yr

97.2%

Sale-to-list ratio (12 mo)

211 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 290% above the WINTER HAVEN 33884 median. See the full Winter Haven market guide →

Paper trail

This home's history

Aug 13, 2026Listed at $1,100,000 · 3 days on market since
1974Built · LAKE ELOISE SUB

Reality check

What actually sold near 1019 W LAKE ELOISE TERRACE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1123 CYPRESS POINT WSold · May ’26

$980,000

1123 CYPRESS POINT W

3 bd · 3.5 ba · 2,713 sqft · $361/sqft · 294 DOM

105 WODEN WAYSold · Nov ’25

$382,000

105 WODEN WAY

3 bd · 3.5 ba · 2,713 sqft · $141/sqft · 113 DOM

1987 8TH STREET SESold · May ’26

$259,222

1987 8TH STREET SE

3 bd · 3 ba · 2,363 sqft · $110/sqft · 136 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.

Anealya Hammad

Your agent

Anealya Hammad

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 1019 W LAKE ELOISE TERRACE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1019 W LAKE ELOISE TERRACE — before you fall in love.

See it in person

Schedule a tour

Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

1019 W LAKE ELOISE TERRACE FAQs

What would the monthly payment be for 1019 W LAKE ELOISE TERRACE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,750/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 1019 W LAKE ELOISE TERRACE?+

The most recent tax bill on record (2025) was $2,904. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Winter Haven?+

At $1,100,000, this home is listed about 286% above the Winter Haven median of $284,945. The market section on this page shows how the area is trending.

Which schools are assigned to 1019 W LAKE ELOISE TERRACE?+

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

Three things that matter here

01Positioned at the premium end

$1,100,000 runs 290% above the WINTER HAVEN 33884 median — but at 2,768 sqft it's also 66% larger than the typical Winter Haven listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Fresh on the market

Only 3 days on market in a Winter Haven market that averages 49 — if it fits, move quickly.

Listing courtesy of HOGAN & ASSOCIATES REAL ESTATE FIRM. MLS #B4902326.

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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