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For sale
    • $749,000

    4040 PALMA CEIA CIRCLE, WINTER HAVEN, FL 33884

    3beds
    2,493sqft
    : 
    $5,004/mo
    Get pre-qualified
    Single Family Residence
    Built in 2005
    0.3 Acres Lot
    $715,700 Zestimate®
    $300/sqft
    $152/mo HOA

    What's special

    Covered lanaiScreen-enclosed heated poolThree private en-suite bedroomsExpansive covered lanaiPrivate officeBreakfast barHeated swimming pool
    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!
    9 days
    |
    603
    |
    31
    |

    Likely to sell faster than

    Zillow last checked:

    Listing updated:

    Listed by:

    Deanna Stone 863-412-2080,

    THE STONES REAL ESTATE FIRM 863-412-2080,

    Michael Stone 863-412-9733,

    THE STONES REAL ESTATE FIRM

    Source: Stellar MLS,MLS#: L4963754MLS LogoOriginating MLS: Lakeland

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 4
      • Full bathrooms: 3
      • 1/2 bathrooms: 1
      Rooms
      • Room types: Attic, Den/Library/Office, Great Room, Utility Room
      Primary bedroom
      • Features: Ceiling Fan(s), En Suite Bathroom, Walk-In Closet(s)
      • Level: First
      • Area: 221 Square Feet
      • Dimensions: 13x17
      Bedroom 2
      • Features: Ceiling Fan(s), En Suite Bathroom, Built-in Closet
      • Level: First
      • Area: 182 Square Feet
      • Dimensions: 13x14
      Bedroom 3
      • Features: Ceiling Fan(s), En Suite Bathroom, Built-in Closet
      • Level: First
      • Area: 182 Square Feet
      • Dimensions: 13x14
      Primary bathroom
      • Features: Ceiling Fan(s), Garden Bath, Split Vanities, Tub with Separate Shower Stall, Water Closet/Priv Toilet
      • Level: First
      • Area: 180 Square Feet
      • Dimensions: 12x15
      Bathroom 2
      • Features: Ceiling Fan(s), Granite Counters, Stone Counters, Tub with Separate Shower Stall, Linen Closet
      • Level: First
      • Area: 88 Square Feet
      • Dimensions: 8x11
      Bathroom 3
      • Features: Ceiling Fan(s), Dual Sinks, Granite Counters, Stone Counters, Tub With Shower, Linen Closet
      • Level: First
      • Area: 88 Square Feet
      • Dimensions: 8x11
      Bathroom 4
      • Features: Storage Closet
      • Level: First
      • Area: 24 Square Feet
      • Dimensions: 4x6
      Balcony porch lanai
      • Features: Ceiling Fan(s)
      • Level: First
      • Area: 297 Square Feet
      • Dimensions: 9x33
      Dinette
      • Features: Ceiling Fan(s)
      • Level: First
      • Area: 168 Square Feet
      • Dimensions: 12x14
      Great room
      • Features: Ceiling Fan(s), Coat Closet
      • Level: First
      • Area: 550 Square Feet
      • Dimensions: 22x25
      Kitchen
      • Features: Breakfast Bar, Kitchen Island, Stone Counters
      • Level: First
      • Area: 180 Square Feet
      • Dimensions: 12x15
      Laundry
      • Features: Built-in Closet
      • Level: First
      • Area: 63 Square Feet
      • Dimensions: 7x9
      Office
      • Features: Ceiling Fan(s)
      • Level: First
      • Area: 120 Square Feet
      • Dimensions: 10x12
      Heating
      • Central
      Cooling
      • Central Air
      Appliances
      • Included: Oven, Cooktop, Dishwasher, Disposal, Gas Water Heater, Microwave, Refrigerator, Water Filtration System
      • Laundry: Inside, Laundry Room
      Features
      • Ceiling 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)
      • Flooring: Laminate, Tile
      • Doors: Sliding Doors
      • Windows: Window Treatments
      • Has fireplace: Yes
      • Fireplace features: Family Room, Gas
      Interior area
      • Total structure area: 3,241
      • Total interior livable area: 2,493 sqft

      Property

      Parking
      • Total spaces: 2
      • Parking features: Driveway, Garage Door Opener
      • Attached garage spaces: 2
      • Has uncovered spaces: Yes
      • Details: Garage Dimensions: 19x21
      Features
      • Levels: One
      • Stories: 1
      • Patio & porch: Covered, Patio, Rear Porch, Screened
      • Exterior features: Irrigation System, Lighting, Private Mailbox, Rain Gutters
      • Has private pool: Yes
      • Pool features: Child Safety Fence, Gunite, Heated, In Ground, Screen Enclosure
      • Has view: Yes
      • View description: Pool, Water, Pond
      • Has water view: Yes
      • Water view: Water,Pond
      • Waterfront features: Pond, Pond Access
      Lot
      • Size: 0.3 Acres
      • Dimensions: 129 x 100
      • Features: City Lot, Landscaped, On Golf Course
      • Residential vegetation: Mature Landscaping, Trees/Landscaped
      Details
      • Parcel number: 272831850506000190
      • Special conditions: None

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Custom
      • Property subtype: Single Family Residence
      Materials
      • Block, Stucco
      • Foundation: Slab
      • Roof: Metal
      Condition
      • New construction: No
      • Year built: 2005

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: BB/HS Internet Available, Cable Available, Electricity Connected, Natural Gas Connected, Public, Sewer Connected, Sprinkler Meter, Water Connected

      Community & HOA

      Community
      • Features: Clubhouse, Deed Restrictions, Fitness Center, Gated Community - Guard, Golf Carts OK, Golf, Pool, Restaurant, Tennis Court(s)
      • Security: Gated Community
      • Pet fee: $0 monthly
      • Subdivision: CYPRESSWOOD PALMA CEIA
      HOA
      • Has HOA: Yes
      • Amenities included: Clubhouse, Fitness Center, Gated, Golf Course, Pickleball Court(s), Pool, Recreation Facilities, Security, Tennis Court(s)
      • Services included: 24-Hour Guard, Community Pool, Pool Maintenance, Private Road, Recreational Facilities
      • HOA fee: $152 monthly
      • HOA name: Shannon Wood Gosnell
      • HOA phone: 863-213-5556
      Location
      • Region: Winter Haven

      Financial & listing details

      • Price per square foot: $300/sqft
      • Tax assessed value: $412,917
      • Annual tax amount: $5,510
      • Date on market: 7/30/2026
      • Cumulative days on market: 10 days
      • Listing terms: Cash,Conventional,FHA,VA Loan
      • Ownership: Fee Simple
      • Total actual rent: 0
      • Electric utility on property: Yes
      • Road surface type: Paved, Asphalt

        Estimated market value

        $715,700

        $680,000 - $751,000

        $2,723/mo

        Price history

        DateEventPrice
        7/30/2026Listed for sale$749,000-6.3%$300/sqft
        Source: Stellar MLS #L4963754 Report a problem
        6/2/2025Listing removed$799,000$320/sqft
        Source: Stellar MLS #O6255663 Report a problem
        11/21/2024Listed for sale$799,000+149.7%$320/sqft
        Source: Stellar MLS #O6255663 Report a problem
        5/29/2019Sold$320,000-5.6%$128/sqft
        Source: Public Record Report a problem
        3/26/2019Price change$339,000-3.1%$136/sqft
        Source: THE K TEAM REAL ESTATE SERVICES LLC #P4903190 Report a problem
        3/21/2019Price change$350,000-1.4%$140/sqft
        Source: THE K TEAM REAL ESTATE SERVICES LLC #P4903190 Report a problem
        3/2/2019Price change$355,000-1.1%$142/sqft
        Source: THE K TEAM REAL ESTATE SERVICES LLC #P4903190 Report a problem
        2/14/2019Price change$359,000-2.7%$144/sqft
        Source: THE K TEAM REAL ESTATE SERVICES LLC #P4903190 Report a problem
        10/30/2018Listed for sale$369,000$148/sqft
        Source: THE K TEAM REAL ESTATE SERVICES LLC #P4903190 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$5,510 +3.1%$338,154 +2.9%
        2024$5,346 +2.5%$328,624 +3%
        2023$5,217 +2.7%$319,052 +3%
        2022$5,080 -0.4%$309,759 +3%
        2021$5,103 +1%$300,737 +1.4%
        2020$5,053 -10.4%$296,585 +6.8%
        2019$5,642 $277,747 +0.1%
        2018$5,642 -0.8%$277,521 +2.6%
        2017$5,687 +10.6%$270,459 +3.6%
        2016$5,144 -0.1%$261,133 +1.8%
        2015$5,150 +8.4%$256,631 +5.1%
        2014$4,751 +4%$244,088 +10%
        2013$4,568 +6.9%$221,898 +6.7%
        2012$4,272 -14%$207,948 -13.3%
        2011$4,968 -5.8%$239,800 -4.4%
        2010$5,274 -13.5%$250,916 -9.9%
        2009$6,100 -15.1%$278,358 -19.2%
        2008$7,185 $344,455
        2007-- --
        2006$7,198 --
        2005-- --
        2004$1,419 +1182%--
        2003$111 $4,680
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 33884

        Getting around

        2 / 100
        Car-Dependent
        33 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Elbert Elem
        • Middle: Denison Middle
        • High: Winter Haven Senior

        Source: Stellar MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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