1738 Hummingbird Rd, photo 1
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Overview

4 bd2 ba1,720 sqft2 car garageSingle Family
TypeSingle Family
HOA$30/mo
Built2026
Lot6,969 sqft
Living area1,720 sqft
Price / sqft$198
Garage2 car

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

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
HARMONY ON LAKE ELOISE
Type
Single Family Residence

True monthly carry

HOA
~$30/mo
CDD bond
Yes — typically $1,500–$3,500/yr
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.

11-month inspection

Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.

Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

CDD heads-up.This community is in a Community Development District — there's a separate annual bond payment ($1,500–$3,500 typical) on top of HOA that builders often roll into the mortgage statement. Worth knowing before you write an offer.

About this home

Open FloorplanSmart HomeSolid Surface CountersThermostatWalk-in Closet(s)SidewalkClubhousePlayground

1738 Hummingbird Rd is a 2026-built home in Harmony On Lake Eloise, Winter Haven. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,720 square feet of living space. Listed at $339,900 (about $198/sqft), 108 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $30 monthly.

From the listing

Under Construction. Welcome to the Baldwin, a stunning four-bedroom, two-bathroom home located in the heart of Winter Haven, Florida at our Harmony at Lake Eloise community. As you enter the foyer to this beautiful designed home, you are greeted by with an open concept living space featuring luxury vinyl flooring throughout. The kitchen overlooks the dining and living room, while having a view to the oversized outdoor living space. The well-appointed kitchen features an island with bar seating, plentiful cabinet with beautiful quartz countertops and stainless-steel appliances, making entertaining a breeze. Bedroom one, located off the living space, has an en suite bathroom with double vanity and spacious walk-in closet providing ample space for storage. Three additional bedrooms and one full bath are located at the front of the home along with a closet and laundry room. The Baldwin seamlessly integrates smart home technology, offering convenience and enhanced living experiences. With its spacious layout and contemporary finishes, the Baldwin in Harmony at Lake Eloise provides the perfect blend of style and functionality for today's discerning homeowner. *Photos are of similar model but not that of the exact house. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability, and amenities are subject to change and prior sale at any time without notice or obligation. Please note that no representations or warranties are made regarding school districts or school assignments; you should conduct your own investigation regarding current and future schools and school boundaries.*

The essentials

Built
2026
Price / sqft
$198
On market
108 days
Annual tax
$2,606
HOA
$30/mo
Flood zone
X · Low risk
Lot
6,969 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Community pool
Shared amenity
2 car garage
6,969 sqft lot
Lot size
1,720 sqft
Living area

Payment

Est. monthly payment
$2,190/mo
Down payment (20%)
$67,980
Property taxes
$217/mo
HOA
$30/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
6,969 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
108
Open Floorplan
Smart Home
Solid Surface Counters
Thermostat
Walk-in Closet(s)
Sidewalk
Clubhouse
Playground
Pool
Sidewalks
Dishwasher
Disposal
Dryer
Microwave
Range
Refrigerator
Washer
Elementary
John Snively Elem
Middle
Denison Middle
High
Lake Region High

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

In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$2,606
Parcel #
26-29-04-664017-000260

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
Harmony On Lake Eloise
County
Polk
MLS Area
33884 - Winter Haven / Cypress Gardens
Lot Size
6,969 sqft
SidewalkPaved
HOA
$30/mo
Leland Management Denise Plavetzky

Price history

Date
Event
Price
9/25/2026
Price change
Source: Stellar MLS #O6420366
$339,900+7.6%
$198/sqft
-
Price change
Source: Stellar MLS #O6420366
$315,900-1.3%
$184/sqft
6/26/2026
Listed for sale
Source: Stellar MLS #O6420366
$319,990
$186/sqft

Neighborhood

1738 Hummingbird Rd
Winter Haven, FL, 33884 · 33884 - Winter Haven / Cypress Gardens

Market insights

Offer Insights

Choose an offer strength

List price: $339,900
$337,500 – $339,900
99.5% – 100% of listTops out right at the list price
80% of listList price
221 of the last 351 home closings in 33884 landed at this number or higher (63%). The median one sat 38 days before it went under contract, and this one is on day 108.

Sample: 351 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
$2,190/mo
Principal & interest$1,773
Property taxes$217
Insurance$170
HOA$30
Down payment20% · $67,980
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

$339,900

$198 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,720 sq ft

Time on market

108 days

Year built

2026

Monthly payment

About $2,190/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,606 annual tax bill, insurance, and the $30/mo HOA fee.

HOA fee

$30/mo

Managed by Leland Management Denise Plavetzky.

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?

Have another question?

Brokered byDR HORTON REALTY OF CENTRAL FLORIDA LLCListing agent: Stephen ClineListing data from Stellar MLS, MLS# O6420366.

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