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$749,000

4040 PALMA CEIA CIRCLE, WINTER HAVEN, FL 33884

Active68 days on market

Beds

3

Baths

4

Sq Ft

2,493 sq ft

Year Built

2005

Lot Size

0.30 acres

Garage

2

About This Property

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!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #L4963754
StatusActive
Year Built2005
Total Rooms13
ConstructionBlock, Stucco
RoofMetal
FoundationSlab
FacesWest
SubdivisionCYPRESSWOOD PALMA CEIA
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Crown Molding, Eating Space In Kitchen, High Ceilings, Primary Bedroom Main Floor, Solid Surface Counters, Split Bedroom, Stone Counters, Tray Ceiling(s), Walk-In Closet(s), Window Treatments
FlooringLaminate, Tile
AppliancesBuilt-In Oven, Cooktop, Dishwasher, Disposal, Gas Water Heater, Microwave, Refrigerator, Water Filtration System
LaundryInside, Laundry Room
WindowsDrapes, Shutters, Window Treatments
CoolingCentral Air
HeatingCentral
FireplaceYes ()
SecurityGated Community

Exterior & Lot

ExteriorIrrigation System, Lighting, Private Mailbox, Rain Gutters, Sliding Doors
Lot Size0.30 acres (12,907 sq ft)
Lot Dimensions129 x 100
Lot FeaturesCity Lot, Landscaped, On Golf Course
Road SurfacePaved, Asphalt
ViewPool, Water

Pool & Spa

Private PoolYes
Pool FeaturesChild Safety Fence, Gunite, Heated, In Ground, Screen Enclosure

Waterfront

WaterfrontYes
FeaturesPond

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Available, Electricity Connected, Natural Gas Connected, Public, Sewer Connected, Sprinkler Meter, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$1,825 / Annually
Senior CommunityNo

Financial Details

List Price$749,000
Annual Taxes$5,510 (2025)
FinancingCash, Conventional, FHA, VA Loan
Parcel #272831850506000190

Schools

ElementaryElbert Elem
MiddleDenison Middle
HighWinter Haven Senior

Directions

From Dundee Rd go into Cypresswood and through the gate. Follow straight. Go through stop sign and make the next right onto Palma Ceia Rd. Follow to stop sign and turn left onto Palma Ceia Cir, home is on the left.

Location

4040 PALMA CEIA CIRCLE, WINTER HAVEN, FL 33884

Listing Information

OfficeTHE STONES REAL ESTATE FIRM
ListedJuly 30, 2026

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Home Price

$749,000

20% ($149,800)
6.75%

Loan Term

Principal & Interest$3,886
Property Tax (est.)$687
Insurance (est.)$150
Total Monthly$4,723
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $749,000 home in WINTER HAVEN.

🏛️

FHA Loan

$26,215 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$37,450 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Polk County SHIP

Varies

Income-qualifying Polk residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. IDX information is provided exclusively for consumers' personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated: September 20, 2026.

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