3843 Eloise Estates CT, photo 1
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Overview

3 bd2 ba1,600 sqft2 car garageSingle Family
TypeSingle Family
HOA$1,060.32/yr
Built2014
Lot5,249 sqft
Living area1,600 sqft
Price / sqft$175
Garage2 car

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

About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsStone CountersThermostatSliding DoorsDishwasherDisposal

3843 Eloise Estates CT is a 2014-built home in Lake Smart Estates, Winter Haven. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,600 square feet of living space. Listed at $280,000 (about $175/sqft), 367 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $1,060.32 annually.

From the listing

HUGE PRICE REDUCTION! POND-VIEW MOVE-IN READY HOME! Enjoy a serene setting and modern updates including tile flooring & kitchen backsplash (2022) and a NEW ROOF (2023). Kitchen features granite countertops and stainless steel refrigerator. Spacious master suite with pond view, walk-in closet, and large bathroom. Split bedroom layout offers privacy and comfort. Located near Lake Smart with Chain of Lakes access! Community offers a pool and is just a short walk to the lake. This community also offers a community dock so bring your poles. Conveniently located near HWY 27, I-4, and HWY 60. Approx. 6 miles to LEGOLAND, 4 miles to Winter Haven Hospital & Publix, and 6 miles to Winter Haven Regional Airport. Furnishings negotiable (TVs do not convey). Schedule your showing today—don’t miss this opportunity!

The essentials

Built
2014
Price / sqft
$175
On market
367 days
Annual tax
$3,237
HOA
$1,060.32/yr
Flood zone
X · Low risk
Lot
5,249 sqft
Type
Single Family Residence

At a glance

Single family
Built 2014
Waterfront
Pond
2 car garage
5,249 sqft lot
Lot size
1,600 sqft
Living area

Payment

Est. monthly payment
$1,958/mo
Down payment (20%)
$56,000
Property taxes
$270/mo
HOA
$1,060.32/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2014
Lot
5,249 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Waterfront
Pond
Days on Market
367
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Stone Counters
Thermostat
Sliding Doors
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2024)
$3,237
Parcel #
26-28-10-530501-001060

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 Smart Estates
County
Polk
MLS Area
33881 - Winter Haven / Florence Villa
Lot Size
5,249 sqft
HOA
$1,060.32/yr
Lake Smart Community Association

Price history

Date
Event
Price
2/7/2026
Price change
Source: Stellar MLS #P4936639
$280,000-5.4%
$175/sqft
-
Price change
Source: Stellar MLS #P4936639
$296,000-1.3%
$185/sqft
10/9/2025
Listed for sale
Source: Stellar MLS #P4936639
$299,900
$187/sqft

Neighborhood

3843 Eloise Estates CT
Winter Haven, FL, 33881 · 33881 - Winter Haven / Florence Villa

Market insights

Offer Insights

Choose an offer strength

List price: $280,000
$277,500 – $280,000
99.5% – 100% of listTops out right at the list price
80% of listList price
164 of the last 267 home closings in 33881 landed at this number or higher (61%). The median one sat 41 days before it went under contract, and this one is on day 367 after a $19,900 cut.

Sample: 267 closed home sales in 33881 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$1,958/mo
Principal & interest$1,460
Property taxes$270
Insurance$140
HOA$88
Down payment20% · $56,000
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%. HOA is the fee 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

$280,000

$175 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,600 sq ft

Time on market

367 days

Year built

2014

Monthly payment

About $1,958/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,237 annual tax bill, insurance, and the $1,060.32/yr HOA fee.

HOA fee

$1,060.32/yr

Managed by Lake Smart Community Association.

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 byCENTURY 21 WATSON & MYERS REALTYListing agent: Lamanda JonesListing data from Stellar MLS, MLS# P4936639.

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