1019 W Lake Eloise Ter, photo 1
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Overview

2 bd3 ba2,768 sqftSingle Family
TypeSingle Family
HOANone listed
Built1974
Lot16,326 sqft
Living area2,768 sqft
Price / sqft$318

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About this home

Built-in FeaturesCathedral Ceiling(s)Ceiling Fans(s)Dry BarEat-in KitchenPrimarybedroom UpstairsSolid Wood CabinetsSplit Bedroom

1019 W Lake Eloise Ter is a 1974-built home in Lake Eloise Sub, Winter Haven. Inside you'll find 2 bedrooms, 3 bathrooms, and 2,768 square feet of living space. Listed at $880,000 (about $318/sqft), 66 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

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.

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The essentials

Built
1974
Price / sqft
$318
On market
66 days
Annual tax
$2,904
Flood zone
X · Low risk
Lot
16,326 sqft
Type
Single Family Residence

At a glance

Single family
Built 1974
Waterfront
Lake Privileges
Private pool
Gunite
0.37 acres
Lot size
2,768 sqft
Living area

Payment

Est. monthly payment
$5,272/mo
Down payment (20%)
$176,000
Property taxes
$242/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1974
Lot
16,326 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Faces Side
Pool
Gunite, In Ground, Tile
Waterfront
Lake Privileges
Days on Market
66
Built-in Features
Cathedral Ceiling(s)
Ceiling Fans(s)
Dry Bar
Eat-in Kitchen
Primarybedroom Upstairs
Solid Wood Cabinets
Split Bedroom
Stone Counters
Thermostat
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
Lighting
Private Entrance
Bar Fridge
Dishwasher
Disposal
Microwave
Refrigerator
Wine Refrigerator
Elementary
Chain O Lakes Elem
Middle
Denison Middle
High
Lake Region High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,904
Parcel #
26-29-04-664000-000053

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Lake Eloise Sub
County
Polk
MLS Area
33884 - Winter Haven / Cypress Gardens
Lot Size
16,326 sqft
In CountyLandscaped

Price history

Date
Event
Price
9/9/2026
Price change
Source: Stellar MLS #B4902326
$880,000-2.2%
$318/sqft
-
Price change
Source: Stellar MLS #B4902326
$900,000-18.2%
$325/sqft
8/13/2026
Listed for sale
Source: Stellar MLS #B4902326
$1,100,000
$397/sqft

Neighborhood

1019 W Lake Eloise Ter
Winter Haven, FL, 33884 · 33884 - Winter Haven / Cypress Gardens

Market insights

Offer Insights

Choose an offer strength

List price: $880,000
$875,000 – $880,000
99.5% – 100% of listTops out right at the list price
80% of listList price
224 of the last 357 home closings in 33884 landed at this number or higher (63%). The median one sat 39 days before it went under contract, and this one is on day 66 after a $220,000 cut.

Sample: 357 closed home sales in 33884 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$5,272/mo
Principal & interest$4,590
Property taxes$242
Insurance$440
Down payment20% · $176,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$880,000

$318 per sq ft

Beds and baths

2 beds, 3 baths

Size

2,768 sq ft

Time on market

66 days

Year built

1974

Monthly payment

About $5,272/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,904 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

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Brokered byHOGAN & ASSOCIATES REAL ESTATE FIRMListing agent: Ashley AdamsListing data from Stellar MLS, MLS# B4902326.

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