CENTURY 21 Edge
$880,000$1,100,0002 bd3 ba2,768 sqft$318 /sqft≈$5,480 /mo all-in ↓

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

Active66 days on marketListed Aug 13, 2026MLS #B4902326

✦ Reduced $220KWaterfrontPrivate poolSingle Family ResidenceLAKE ELOISE SUB

About this home

1019 W LAKE ELOISE TERRACE

Major Price Improvement .....Welcome to an exceptional and truly distinctive lakefront estate on Lake Eloise 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

$318

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.

$5,480 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,748
PMI (est., until 20% equity)$330
Property tax — 2025 actual bill$242
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $88,000Loan30-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% · $88,000
Interest rate6.00%
Loan term

Estimated payment

$5,480/mo

Principal & interest$4,748
PMI (est., until 20% equity)$330
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.

List $880K
$798KedgeAI estimate $857,189 · range $831K–$943K$981K

vs edgeAI estimate

+2.7%

$/sqft vs Winter Haven actives

$318 vs $169

Days on market

66 vs 74 typical

Where $318/sqft sits among the 400 Winter Haven actives

61
141
137
41
9
11 · this home
$96–133$133–170$170–207$207–244$244–281$281+

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

Walt Disney World≈ 50 min
Universal Orlando≈ 60 min
Downtown Tampa≈ 61 min
Downtown Orlando≈ 66 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

ElementaryGarden Grove 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 marketLeans seller — 5.0 months of inventoryBuyer’s market

$283K → $279K

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 215% above the WINTER HAVEN 33884 median. See the full Winter Haven market guide →

Paper trail

This home's history

CurrentPrice reduced to $880,000 ▼ $220K
Aug 13, 2026Listed at $1,100,000 · 66 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

3206 HERON COVESold · Sep ’26

$560,000

3206 HERON COVE

3 bd · 2.5 ba · 3,050 sqft · $184/sqft · 599 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.

Kathy Miller

Your agent

Kathy Miller

real estate agent · 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 Kathy'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 $5,480/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 $880,000, this home is listed about 207% above the Winter Haven median of $286,450. The market section on this page shows how the area is trending.

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

Garden Grove 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

$880,000 runs 215% 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.

03The price has already moved

Listed at $1,100,000, now $880,000 — a $220K cut. The full history is in the market section below.

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.

Never miss a listing

New Winter Haven homes, in your inbox

Like 1019 W LAKE ELOISE TERRACE but not quite? A daily digest of every new listing in Winter Haven — straight from the MLS, hours after it goes live. Unsubscribe anytime.

By checking this box, I provide my prior express written consent to CENTURY 21 Edge, directly or through its affiliated real estate agents, to contact me at the telephone number(s) and email address I provide regarding my inquiry, real estate services, and marketing or promotional communications, including property listings, market updates, open houses, home value reports, and related real estate information. I authorize calls and text messages made using an automatic telephone dialing system or other automated technology and calls using prerecorded or artificial voice. I also consent to receive marketing and promotional emails. Consent is not a condition of purchasing any property, goods, or services. Message and data rates may apply. Message frequency varies. Reply STOP to opt out of text messages or HELP for help. I may unsubscribe from marketing emails using the unsubscribe link in any marketing email. I may revoke my consent to calls or text messages at any time using any reasonable method. Calls with CENTURY 21 Edge may be recorded. See our Privacy Policy, Terms of Use, and SMS Terms.

Just watching this one home? Ask Kathy to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated October 18, 2026 at 10:26 AM UTC. The listing information on this page last changed on October 18, 2026 at 10:26 AM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on October 18, 2026 at 10:26 AM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: October 18, 2026 at 10:26 AM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.