Overview
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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
- RANCHES AT MCLEOD 40GC
- Type
- Single Family Residence
True monthly carry
- HOA
- ~$118/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
3178 Totem Rd is a 2026-built home in Ranches At McLeod 40gc, Eagle Lake. Inside you'll find 4 bedrooms, 3 bathrooms, and 1,910 square feet of living space. Listed at $265,740 (about $139/sqft), 7 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $118 monthly.
Under Construction. This new two-story Morrow provides a luxurious retreat with a first-floor owner’s suite, featuring a spacious bedroom, en-suite bathroom and walk-in closet. A nearby open-concept floorplan combines the kitchen, living and dining areas for streamlined, everyday living. Three additional bedroom suites can be found on the second level, along with a versatile loft that provides a convenient shared living area and additional entertainment space. Ranches at Lake McLeod is a masterplan community located in the lovely city of Eagle Lake, FL. This tranquil community provides quality construction, innovative designs, with brand-new appliances. All homes come standard with Connected Home features. Amenities include: Club house, fitness center, pool, dog park, volleyball, pickleball, basketball, dock, roving patrol, and playground. Conveniently located near shopping, restaurants, parks, schools, and close proximity to major roadways. Eagle Lake is just a short distance from ample outdoor recreation, and more in nearby Winter Haven. Popular attractions include Chain of Lakes Sports Complex, Legoland, Lake Ned and the downtown strip. Stake out your homesite at Ranches at Lake McLeod.
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The essentials
At a glance
Payment
Details
Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
Market insights
Offer Insights
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Sample: 128 closed home sales in 33839 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
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Property taxes estimated at 1.55% of price a year. 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
$265,740
$139 per sq ft
Beds and baths
4 beds, 3 baths
Size
1,910 sq ft
Time on market
7 days
Year built
2026
Monthly payment
About $1,980/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $0 annual tax bill, insurance, and the $118/mo HOA fee.
HOA fee
$118/mo
Managed by Artemis Lifestyles/Jessie Chatman.
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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