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$515,000

37 LAKE ELOISE LANE, WINTER HAVEN, FL 33884

3D Tour
Active1 days on market

Beds

3

Baths

2

Sq Ft

2,638 sq ft

Year Built

1986

Lot Size

0.57 acres

Garage

3

About This Property

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.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #P4940000
StatusActive
Year Built1986
Stories1
Total Rooms10
ConstructionBlock, Stone
RoofShingle
FoundationSlab
FacesNorthwest
SubdivisionHARBOUR ESTATES
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space 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)
FlooringCarpet, Tile
AppliancesDishwasher, Dryer, Range, Refrigerator, Washer, Water Softener
LaundryElectric Dryer Hookup, Inside, Laundry Room, Washer Hookup
WindowsBlinds, Double Pane Windows, ENERGY STAR Qualified Windows
CoolingCentral Air
HeatingCentral
FireplaceYes ()

Exterior & Lot

ExteriorIrrigation System, Lighting, Private Mailbox, Rain Gutters, Sliding Doors
FencingFenced
Lot Size0.57 acres (24,956 sq ft)
Lot Dimensions175 x 121
Lot FeaturesCorner Lot, Cul-De-Sac, Landscaped, Level, Oversized Lot
Road SurfacePaved, Asphalt
ViewPool

Pool & Spa

Private PoolYes
Pool FeaturesGunite, In Ground, Salt Water

Utilities

WaterPublic, Well
SewerSeptic Tank
UtilitiesBB/HS Internet Available, Cable Connected, Electricity Connected, Phone Available, Sprinkler Well, Street Lights, Underground Utilities, Water Connected

Parking

GarageYes (3 spaces)

HOA & Community

HOAYes
HOA Fee$500 / Annually
Senior CommunityNo

Financial Details

List Price$515,000
Annual Taxes$3,470 (2026)
FinancingCash, Conventional, FHA, USDA Loan, VA Loan
ZoningRE-1
Parcel #262910000000044230

Schools

ElementaryPinewood Elem
MiddleDenison Middle
HighLake Region High

Directions

Hwy 27, East onto Thompson Nursery Rd, Continue East Road Changes to Eloise Loop Road, North onto Eloise Loop Road, West onto Lake Eloise Lane, Lake Elosie Lane bends to the South, Continue South, Home is located on Southeast Side of Cul De Sac.

Location

37 LAKE ELOISE LANE, WINTER HAVEN, FL 33884

Listing Information

OfficeCENTURY 21 MYERS REALTY LAKE WALES
ListedSeptember 30, 2026

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Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$515,000

20% ($103,000)
6.75%

Loan Term

Principal & Interest$2,672
Property Tax (est.)$472
Insurance (est.)$150
Total Monthly$3,294
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $515,000 home in WINTER HAVEN.

🏛️

FHA Loan

$18,025 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

$25,750 Down

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

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

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: October 1, 2026.

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