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Overview

3 bd4 ba2,493 sqft2 car garageSingle Family
TypeSingle Family
HOA$1,825/yr
Built2005
Lot12,907 sqft
Living area2,493 sqft
Price / sqft$300
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Crown MoldingEat-in KitchenHigh CeilingsPrimary Bedroom Main FloorSolid Surface CountersSplit BedroomStone Counters

4040 Palma Ceia Cir is a 2005-built home in Cypresswood Palma Ceia, Winter Haven. Inside you'll find 3 bedrooms, 4 bathrooms, and 2,493 square feet of living space. Listed at $749,000 (about $300/sqft), 77 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $1,825 annually.

From the listing

Meticulously maintained and beautifully remodeled, this exceptional Palma Ceia residence in Cypresswood offers pond frontage, three private en-suite bedrooms, a dedicated office, a heated swimming pool, and incredible golf course views. The pavered driveway and walkways, manicured flower gardens, and a 2022 black metal roof set the stage for the impressive interior. Elevated ceilings, crown molding, waterproof Pergo flooring, stone counters, and plantation shutters are just a few of the home’s stunning features. At the heart of the home is a spacious great room featuring a natural gas fireplace with shiplap façade. Triple sliding glass doors, with new screens, create a seamless indoor-outdoor flow to the covered lanai and pool area while showcasing the outdoor views. The updated kitchen features quartz counters, an island with a prep sink and filtered water, a Kohler workstation sink, breakfast bar, stainless appliances, double ovens, gas range, Bosch dishwasher, and a spacious dinette overlooking the pool. A private office provides the perfect setting for working from home. Designed to give everyone their own space, the home offers three bedrooms with en-suite bathrooms. The primary suite includes pool access, a tray ceiling, two walk-in closets with built-in shelving, and a gorgeous remodeled bathroom featuring a six-foot freestanding soaking tub, glass-enclosed walk-in shower, dual vanities, and a water closet. The second bedroom includes an equally impressive en-suite bath with custom tile flooring, a granite counter, tub, and separate walk-in shower. Located at the rear of the home, the third en-suite bedroom is ideal for visiting guests and can be closed off with a pocket door for added privacy. Its bathroom offers a granite counter with dual sinks, a tub and shower combo, and a linen closet. An additional linen closet is located in the guest-wing hallway. The interior laundry room provides a closet pantry, storage closet, and convenient half bathroom. Florida living takes center stage outdoors with a screen-enclosed heated pool, expansive covered lanai, and a separate screened area for sunning. The peaceful setting overlooks the pond and third hole of the golf course, where a variety of birds and wildlife can be enjoyed daily. Meticulously designed gardens, window planter boxes and a pavered sitting area near the pond—ideal for a fire pit—complete this private outdoor oasis. The two-car garage features an epoxy floor, utility sink, storage closets, and overhead storage racks. Additional improvements and features include a 2026 installed gas water heater, a 26-gauge standing seam metal roof (2022) with a 40-year warranty, dual-zone air conditioning (2020), irrigation on separate meter, plantation shutters throughout, remote-controlled lanai lighting, pool safety fence, Ring cameras, rain gutters, and more. Located within the guarded Cypresswood community, this remarkable home combines thoughtful updates, exceptional care, abundant privacy, and a truly beautiful golf course and waterfront setting. Cypresswood Golf & Country Club features an 18-hole championship golf course, driving range, pro shop, jr. olympic pool, tennis & pickleball courts, an event venue, a sports pub and more. Located just minutes from shopping, medical facilities and downtown Winter Haven. Centrally located between Tampa and Orlando with easy commutes to airports and beaches. Come see what this magnificent home and community in Central FL has to offer!

The essentials

Built
2005
Price / sqft
$300
On market
77 days
Annual tax
$5,510
HOA
$1,825/yr
Flood zone
X · Low risk
Lot
12,907 sqft
Type
Single Family Residence

At a glance

Single family
Built 2005
Waterfront
Pond
Private pool
Heated
2 car garage
Driveway
0.30 acres
Lot size

Payment

Est. monthly payment
$4,892/mo
Down payment (20%)
$149,800
Property taxes
$459/mo
HOA
$1,825/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2005
Lot
12,907 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener
Pool
Child Safety Fence, Gunite, Heated, In Ground, Screen Enclosure
Waterfront
Pond
Days on Market
77
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
High Ceilings
Primary Bedroom Main Floor
Solid Surface Counters
Split Bedroom
Stone Counters
Tray Ceiling(s)
Walk-in Closet(s)
Window Treatments
Lighting
Private Mailbox
Rain Gutters
Clubhouse
Deed Restrictions
Fitness Center
Gated Community - Guard
Golf Carts OK
Golf
Pool
Restaurant
Tennis Court(s)
Built-in Oven
Cooktop
Dishwasher
Disposal
Gas Water Heater
Microwave
Refrigerator
Water Filtration System
Elementary
Elbert Elem
Middle
Denison Middle
High
Winter Haven Senior

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

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$5,510
Parcel #
27-28-31-850506-000190

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
Cypresswood Palma Ceia
County
Polk
MLS Area
33884 - Winter Haven / Cypress Gardens
Lot Size
12,907 sqft
City LimitsLandscapedOn Golf CoursePavedPrivate
HOA
$1,825/yr
Shannon Wood Gosnell

Price history

Date
Event
Price
7/30/2026
Listed for sale
Source: Stellar MLS #L4963754
$749,000
$300/sqft

Neighborhood

4040 Palma Ceia Cir
Winter Haven, FL, 33884 · 33884 - Winter Haven / Cypress Gardens

Market insights

Offer Insights

Choose an offer strength

List price: $749,000
$745,000 – $749,000
99.5% – 100% of listTops out right at the list price
80% of listList price
224 of the last 355 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 77.

Sample: 355 closed home sales in 33884 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$4,892/mo
Principal & interest$3,906
Property taxes$459
Insurance$375
HOA$152
Down payment20% · $149,800
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%. HOA includes any condo dues reported on the listing. 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

$749,000

$300 per sq ft

Beds and baths

3 beds, 4 baths

Size

2,493 sq ft

Time on market

77 days

Year built

2005

Monthly payment

About $4,892/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,510 annual tax bill, insurance, and the $1,825/yr HOA fee.

HOA fee

$1,825/yr

Managed by Shannon Wood Gosnell.

Flood zone

Zone X

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

Offer

What should I offer?

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Brokered byTHE STONES REAL ESTATE FIRMListing agent: Deanna StoneListing data from Stellar MLS, MLS# L4963754.

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