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Overview

3 bd2 ba2,638 sqft3 car garageSingle Family
TypeSingle Family
HOA$500/yr
Built1986
Lot24,956 sqft
Living area2,638 sqft
Price / sqft$195
Garage3 car

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

About this home

Ceiling Fans(s)Eat-in KitchenOpen FloorplanPrimary Bedroom Main FloorSolid Surface CountersSolid Wood CabinetsSplit BedroomStone Counters

37 Lake Eloise Ln is a 1986-built home in Harbour Estates, Winter Haven. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,638 square feet of living space. Listed at $515,000 (about $195/sqft), 18 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $500 annually.

From the listing

Located in the desirable, tree-lined community of Harbour Estates, this custom-built 3-bedroom, 2-bath pool home offers expansive living spaces, and an exceptional outdoor lifestyle. Situated on an impressive .57-acre corner lot at the end of a quiet cul-de-sac, this property provides privacy, space and convenience in a highly sought-after location. Upon arrival, a grand courtyard welcomes you to sit and enjoy the beautifully landscaped grounds. A lovely leaded-glass front door with transom window opens into the inviting foyer, creating an elegant first impression. The generously sized Living Room features a striking stone fireplace, tray ceiling and strategically placed floor outlets that allow for flexible furniture placement. Three sets of glass sliding doors overlook the patio and pool area, bringing the outdoors in and creating a seamless connection between the interior and exterior living spaces. The eat-in Kitchen showcases a timeless black-and-white design, featuring crisp white cabinetry accented with crown molding and designer brushed-nickel hardware. Sleek black granite countertops beautifully complement the tile backsplash, while the kitchen sink is strategically positioned beneath a picture-frame window offering wonderful views of the pool. The upgraded stainless-steel appliance package includes a convection range, while recessed lighting illuminates the space. A cabinet pantry provides additional storage and a convenient coffee bar with a USB outlet adds both functionality and convenience to the kitchen. The charming breakfast nook provides the perfect spot for casual dining. The formal Dining Room features classic chair-rail molding and flows effortlessly into the kitchen, making it ideal for entertaining. The spacious 16' x 23' Primary Bedroom Suite features a beautiful coved ceiling and plenty of room for a comfortable sitting area. Additional features include wall-to-wall carpeting, a safe, and 2 closets, one of which is a walk-in closet. The luxurious Primary Bath offers dual comfort-height vanities with granite countertops, linen closet and walk-in shower with glass enclosure. A bidet and comfort-height toilet are located within the private water closet. A convenient access door leads directly to the patio. Two spacious Guest Bedrooms share a lavishly appointed Guest Bathroom featuring an oversized vanity, luxurious soaking tub accented by a decorative tile surround and a separate walk-in shower with glass enclosure. Outdoor living is truly exceptional in the fully fenced and meticulously landscaped backyard. A sparkling saltwater pool, surrounded by an expansive patio, provides the perfect setting for relaxing or entertaining family and friends. Distant views of Little Lake Eloise add to the tranquil setting. Additional features include a Laundry Room w/ cabinetry, washer & dryer, double-pane Pella fiberglass windows, glass storm door, water softener system, 2024 water heater, security system, stone-accent facade, 2023 architectural shingle roof, well for irrigation, freshly painted exterior, gutters, exterior lights, & 220-volt wiring in the oversized 3 car garage. The garage also features a garage door opener & provides abundant space for vehicles, storage or recreational equipment. Ideally situated in the picturesque community of Harbour Estates, this exceptional home offers the perfect blend of space, comfort, privacy, and convenience, just minutes from shopping, restaurants and LEGOLAND Resort.

The essentials

Built
1986
Price / sqft
$195
On market
18 days
Annual tax
$3,470
HOA
$500/yr
Flood zone
X · Low risk
Lot
24,956 sqft
Type
Single Family Residence

At a glance

Single family
Built 1986
Private pool
Gunite
3 car garage
Driveway
0.57 acres
Lot size
2,638 sqft
Living area

Payment

Est. monthly payment
$3,275/mo
Down payment (20%)
$103,000
Property taxes
$289/mo
HOA
$500/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1986
Lot
24,956 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener, Garage Faces Side
Pool
Gunite, In Ground, Salt Water
Days on Market
18
Ceiling Fans(s)
Eat-in Kitchen
Open Floorplan
Primary Bedroom Main Floor
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Stone Counters
Tray Ceiling(s)
Walk-in Closet(s)
Lighting
Private Mailbox
Rain Gutters
Street Lights
Dishwasher
Dryer
Range
Refrigerator
Washer
Water Softener
Elementary
Pinewood 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 (2026)
$3,470
Parcel #
26-29-10-000000-044230

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
Harbour Estates
County
Polk
MLS Area
33884 - Winter Haven / Cypress Gardens
Lot Size
24,956 sqft
Corner LotCul-De-SacLandscapedLevelOversized LotPaved
HOA
$500/yr
Rex Cowan

Price history

Date
Event
Price
9/30/2026
Listed for sale
Source: Stellar MLS #P4940000
$515,000
$195/sqft

Neighborhood

37 Lake Eloise Ln
Winter Haven, FL, 33884 · 33884 - Winter Haven / Cypress Gardens

Market insights

Offer Insights

Choose an offer strength

List price: $515,000
$510,000 – $515,000
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 18.

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
$3,275/mo
Principal & interest$2,686
Property taxes$289
Insurance$258
HOA$42
Down payment20% · $103,000
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 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

$515,000

$195 per sq ft

Beds and baths

3 beds, 2 baths

Size

2,638 sq ft

Time on market

18 days

Year built

1986

Monthly payment

About $3,275/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,470 annual tax bill, insurance, and the $500/yr HOA fee.

HOA fee

$500/yr

Managed by Rex Cowan.

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 MYERS REALTY LAKE WALESListing agent: Eileen BelangerListing data from Stellar MLS, MLS# P4940000.

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