CENTURY 21 Edge
$515,0003 bd2 ba2,638 sqft$195 /sqft≈$3,751 /mo all-in ↓

37 LAKE ELOISE LANE, WINTER HAVEN, FL, 33884

Active18 days on marketListed Sep 30, 2026MLS #P4940000

Private poolSingle Family ResidenceHARBOUR ESTATES

About this home

37 LAKE ELOISE LANE

Located in the desirable, tree-lined community of Harbour Estates, this custom-built 3-bedroom, 2-bath pool home offers expansive living spaces, and an exceptional outdoor lifestyle. Situated on an impressive .57-acre corner lot at the end of a quiet cul-de-sac, this property provides privacy, space and convenience in a highly sought-after location. Upon arrival, a grand courtyard welcomes you to sit and enjoy the beautifully landscaped grounds. A lovely leaded-glass front door with transom window opens into the inviting foyer, creating an elegant first impression. The generously sized Living Room features a striking stone fireplace, tray ceiling and strategically placed floor outlets that allow for flexible furniture placement. Three sets of glass sliding doors overlook the patio and pool area, bringing the outdoors in and creating a seamless connection between the interior and exterior living spaces. The eat-in Kitchen showcases a timeless black-and-white design, featuring crisp white cabinetry accented with crown molding and designer brushed-nickel hardware. Sleek black granite countertops beautifully complement the tile backsplash, while the kitchen sink is strategically positioned beneath a picture-frame window offering wonderful views of the pool. The upgraded stainless-steel appliance package includes a convection range, while recessed lighting illuminates the space. A cabinet pantry provides additional storage and a convenient coffee bar with a USB outlet adds both functionality and convenience to the kitchen. The charming breakfast nook provides the perfect spot for casual dining. The formal Dining Room features classic chair-rail molding and flows effortlessly into the kitchen, making it ideal for entertaining. The spacious 16' x 23' Primary Bedroom Suite features a beautiful coved ceiling and plenty of room for a comfortable sitting area. Additional features include wall-to-wall carpeting, a safe, and 2 closets, one of which is a walk-in closet. The luxurious Primary Bath offers dual comfort-height vanities with granite countertops, linen closet and walk-in shower with glass enclosure. A bidet and comfort-height toilet are located within the private water closet. A convenient access door leads directly to the patio. Two spacious Guest Bedrooms share a lavishly appointed Guest Bathroom featuring an oversized vanity, luxurious soaking tub accented by a decorative tile surround and a separate walk-in shower with glass enclosure. Outdoor living is truly exceptional in the fully fenced and meticulously landscaped backyard. A sparkling saltwater pool, surrounded by an expansive patio, provides the perfect setting for relaxing or entertaining family and friends. Distant views of Little Lake Eloise add to the tranquil setting. Additional features include a Laundry Room w/ cabinetry, washer & dryer, double-pane Pella fiberglass windows, glass storm door, water softener system, 2024 water heater, security system, stone-accent facade, 2023 architectural shingle roof, well for irrigation, freshly painted exterior, gutters, exterior lights, & 220-volt wiring in the oversized 3 car garage. The garage also features a garage door opener & provides abundant space for vehicles, storage or recreational equipment. Ideally situated in the picturesque community of Harbour Estates, this exceptional home offers the perfect blend of space, comfort, privacy, and convenience, just minutes from shopping, restaurants and LEGOLAND Resort.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,638

Sqft

0.57 ac

Lot size

3

Garage

1986

Year built

One

Levels

$195

Per sqft

Private poolFireplacePool viewPets allowed

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Dryer · Range · Refrigerator · Washer · Water Softener
InteriorCeiling Fan(s) · Eating Space In Kitchen · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Tray Ceiling(s) · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stone
FoundationSlab
ViewPool
FacesNorthwest
ParkingDriveway · Garage Door Opener · Garage Faces Side
ExteriorIrrigation System · Lighting · Private Mailbox · Rain Gutters · Sliding Doors

Community & fees

HOA fee$42/mo
Taxes (2026)$3,470/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Phone Available · Sprinkler Well · Street Lights · Underground Utilities · Water Connected
WaterPublic · Well

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.

$3,751 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,032
FHA mortgage insurance (est.)$228
Property tax — 2026 actual bill$289
HOA fee — from the listing$42
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $18,025Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $18,025
Interest rate6.00%
Loan term

Estimated payment

$3,751/mo

Principal & interest$3,032
FHA mortgage insurance (est.)$228
Property taxes (actual bill)$289
HOA / condo fee$42
Est. insurance$160

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.

List $515K
$493KedgeAI estimate $571,122 · range $514K–$611K$635K

vs edgeAI estimate

−9.8%

$/sqft vs Winter Haven actives

$195 vs $170

Days on market

18 vs 74 typical

Where $195/sqft sits among the 400 Winter Haven actives

42
62
117
102 · this home
41
36
$96–122$122–148$148–174$174–200$200–226$226+

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≈ 51 min
Downtown Tampa≈ 60 min
Universal Orlando≈ 61 min
Downtown Orlando≈ 67 min
Tampa Int’l Airport (TPA)≈ 71 min
Orlando Int’l Airport (MCO)≈ 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 84% above the WINTER HAVEN 33884 median. See the full Winter Haven market guide →

Paper trail

This home's history

Sep 30, 2026Listed at $515,000 · 18 days on market since
1986Built · HARBOUR ESTATES

Reality check

What actually sold near 37 LAKE ELOISE LANE

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

44 LAKE ELOISE COURTSold · Aug ’26

$577,000

44 LAKE ELOISE COURT · same community

4 bd · 3 ba · 2,916 sqft · $198/sqft · 54 DOM

3926 PALAZZO PLACESold · Oct ’25

$319,900

3926 PALAZZO PLACE

4 bd · 3.5 ba · 2,701 sqft · $118/sqft · 114 DOM

4450 RAPALLO AVESold · Aug ’26

$325,000

4450 RAPALLO AVE

4 bd · 2.5 ba · 2,480 sqft · $131/sqft · 5 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.

Kemarie Johnson

Your agent

Kemarie Johnson

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 37 LAKE ELOISE LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 37 LAKE ELOISE LANE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

37 LAKE ELOISE LANE FAQs

What would the monthly payment be for 37 LAKE ELOISE LANE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,751/mo — principal and interest, the actual property-tax bill, the $42/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 37 LAKE ELOISE LANE?+

The association fee works out to $42 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 37 LAKE ELOISE LANE?+

The most recent tax bill on record (2026) was $3,470. 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 37 LAKE ELOISE LANE?+

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 $515,000, this home is listed about 80% 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 37 LAKE ELOISE LANE?+

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.

Listing courtesy of CENTURY 21 MYERS REALTY LAKE WALES · Eileen Belanger. MLS #P4940000.

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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