
1019 W LAKE ELOISE TERRACE, WINTER HAVEN, FL, 33884
Active3 days on marketListed Aug 13, 2026MLS #B4902326
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
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 — not generic estimates.
$6,750 /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
$6,750/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
$397 vs $169
Days on market
3 vs 49 typical
Where $397/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)
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
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.
Sold · May ’26$980,000
1123 CYPRESS POINT W
3 bd · 3.5 ba · 2,713 sqft · $361/sqft · 294 DOM
Sold · Nov ’25$382,000
105 WODEN WAY
3 bd · 3.5 ba · 2,713 sqft · $141/sqft · 113 DOM
Sold · 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.

Your agent
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1019 W LAKE ELOISE TERRACE — start here.

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.
Keep looking
Similar homes nearby
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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