CENTURY 21 Edge
$865,0005 bd3 ba3,482 sqft$248 /sqft$5,828 /mo all-in ↓

2510 CYPRESS GARDENS BOULEVARD, WINTER HAVEN, FL, 33884

Active3 days on marketListed Aug 31, 2026MLS #O6437789

WaterfrontSingle Family ResidenceELOISE WOODS WEST LAKE FLORENCE

About this home

2510 CYPRESS GARDENS BOULEVARD

Set along the shoreline of Lake Florence, this distinctive 0.83-acre waterfront parcel extends 367 feet in depth and includes 87 feet of lake frontage. Lake Florence is an independent 74-acre lake with a county-owned park but no public boat ramp. The property's concrete boat-launching pad, dock, boathouse, and lift provide on-site access for boating, water skiing, paddling, and fishing. The parcel contains two detached residences and is coded as Multiple SFR in Polk County property records. Together, the residences encompass 3,482 square feet of combined heated living space and 5,094 total square feet under roof, divided between a two-bedroom, two-bath primary residence with a flexible studio and a detached two-bedroom, one-bath cottage. The 2,311-square-foot primary residence, built in 1985, includes a spacious primary suite and a second bedroom configured as a den with fireplace and Murphy bed. The studio/flex room has its own side entry and an auxiliary appliance station with an 18-inch dishwasher, refrigerator and freezer drawers, ice maker, and microwave, adding flexibility for entertaining, guest accommodations, or additional living space. The recently updated kitchen features quartz countertops, a substantial island with seating for five, induction cooktop, double ovens, coffee bar, and generous pantry. Expansive sliding glass doors and the dining room's oversized window capture sweeping views of Lake Florence. New luxury vinyl plank flooring extends throughout the main living areas, while fresh interior paint complements the recent updates throughout the primary residence. The HVAC system was replaced in 2020. The primary bath includes a steam shower and refined vanity, while the secondary bath includes an oversized quartz vanity and newly installed Kohler shower. A 30-foot lakefront deck includes a screened area for additional outdoor living space. The detached 1,171-square-foot cottage, originally constructed in 1958, includes two bedrooms, one bath, a comfortable living area, and kitchenette, with crown molding throughout. Set apart from the primary home, it provides flexible separate living or workspace while remaining part of the unified property. A spacious 15-by-14-foot screened porch overlooks the surrounding landscaping. Each residence has its own electric meter and septic system; the primary residence's septic system was replaced in 2020. The homes share a water meter and driveway. Both residences feature concrete-block construction, new roofs, screened outdoor porches, interior laundry areas, and Ecobee thermostats. An additional washer and dryer are located in the cottage's attached garage. Major appliances in both residences convey with the property. The lakefront grounds provide open space for outdoor living and sunrise views across Lake Florence. Parking includes a 2.5-car carport, 1.5-car garage, and additional off-street parking. This uncommon combination of two detached residences, substantial covered area, boating infrastructure, and flexible living space distinguishes the property in Winter Haven.

Facts & features

The home at a glance

5

Bedrooms

3

Bathrooms

3,482

Sqft

0.83 ac

Lot size

1

Garage

1985

Year built

One

Levels

$248

Per sqft

WaterfrontFireplacePartially

Inside

FlooringCarpet · Laminate · Luxury Vinyl
AppliancesBar Fridge · Built-In Oven · Convection Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Freezer · Ice Maker · Microwave · Range Hood · Refrigerator · Touchless Faucet · Washer
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Central Vacuum · Chair Rail · Crown Molding · Eating Space In Kitchen · Primary Bedroom Main Floor · Skylight(s) · Smart Home · Solid Surface Counters · Thermostat · Walk-In Closet(s)
LaundryIn Garage · Inside · Laundry Room
CoolingCentral Air · Mini-Split Unit(s)
HeatingCentral · Electric · Heat Pump
FurnishedPartially

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesNortheast
ExteriorIrrigation System · Lighting · Private Mailbox · Sauna · Sidewalk · Sliding Doors · Storage

Community & fees

Taxes (2025)$8,113/yr
PetsNo

Utilities & systems

UtilitiesCable Available · Electricity Connected · Phone Available · Private · Underground Utilities · Water Connected
WaterCanal/Lake For Irrigation · Public

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$5,828 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,668
PMI (est., until 20% equity)$324
Property tax — 2025 actual bill$676
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $86,500Loan30-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% · $86,500
Interest rate6.00%
Loan term

Estimated payment

$5,828/mo

Principal & interest$4,668
PMI (est., until 20% equity)$324
Property taxes (actual bill)$676
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

$248 vs $169

Days on market

3 vs 48 typical

Where $248/sqft sits among the 400 Winter Haven actives

54
61
123
94
27
41 · this home
$100–125$125–151$151–177$177–202$202–228$228+

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 Eloise Woods

Drive times from this address

Walt Disney World46 min
Universal Orlando56 min
Downtown Tampa60 min
Downtown Orlando62 min
Orlando Int’l Airport (MCO)67 min
Tampa Int’l Airport (TPA)71 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Winter Haven. See the full Winter Haven guide →

Eloise Woods — neighborhood snapshot

Population

3,227

Median age

43

Median income

$74,677

Median home value

$296,594

Avg household

3

Households w/ children

305

For the school run

Polk County School District

MiddleDenison Middle School★★★★
ElementaryChain Of Lakes Elementary School★★★★★
HighLake Region High School★★★★

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

The numbers that matter

The Winter Haven market

Seller’s marketLeans seller4.8 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 209% above the WINTER HAVEN 33884 median. See the full Winter Haven market guide →

Paper trail

This home's history

Aug 31, 2026Listed at $865,000 · 3 days on market since
1985Built · ELOISE WOODS WEST LAKE FLORENCE

Reality check

What actually sold near 2510 CYPRESS GARDENS BOULEVARD

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

316 LOCHEN CIR SESold · Apr ’26

$615,550

316 LOCHEN CIR SE

5 bd · 3.5 ba · 3,503 sqft · $176/sqft · 86 DOM

115 N LAKE FLORENCE DRIVESold · Sep ’25

$663,000

115 N LAKE FLORENCE DRIVE

4 bd · 3.5 ba · 3,203 sqft · $207/sqft · 177 DOM

304 LOCHEN CIRCLE SESold · Feb ’26

$600,000

304 LOCHEN CIRCLE SE

4 bd · 3 ba · 3,159 sqft · $190/sqft · 48 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.

Gianfranco Di Flumeri

Your agent

Gianfranco Di Flumeri

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 2510 CYPRESS GARDENS BOULEVARD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2510 CYPRESS GARDENS BOULEVARD — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

2510 CYPRESS GARDENS BOULEVARD FAQs

What would the monthly payment be for 2510 CYPRESS GARDENS BOULEVARD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,828/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 2510 CYPRESS GARDENS BOULEVARD?+

The most recent tax bill on record (2025) was $8,113. 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 2510 CYPRESS GARDENS BOULEVARD?+

The listing reports pets: No. 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 $865,000, this home is listed about 204% 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 2510 CYPRESS GARDENS BOULEVARD?+

Denison Middle School (middle), Chain Of Lakes Elementary School (elementary), Lake Region High School (high) — 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

$865,000 runs 209% above the WINTER HAVEN 33884 median — but at 3,482 sqft it's also nearly twice the size of 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 48 — if it fits, move quickly.

Listing courtesy of BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6437789.

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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