


$749,000
4040 Palma Ceia Circle
Winter Haven, FL 33884
Listing updated: August 3, 2026 at 10:39 AM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
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!
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history4 days on market
- Status: ActiveJul 30, 2026
- Listed$749,000Jul 30, 2026
- Price increased$749,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 4
- Subdivision
- Cypresswood Palma Ceia
- County
- Polk
- Year built
- 2005
- Living area
- 2,493 sq ft
- Price/sq ft
- $300
- Building area
- 3,241 sq ft (Public Records)
- Lot size
- 12,907 sq ft
- Lot category
- 1/4 to less than 1/2
- Flood zone
- X (12105C0369G)
- Garage
- 2 spaces
- Pool
- Private pool
- Annual taxes
- $5,510 (2025)
- Parcel #
- 27-28-31-850506-000190
- MLS #
- L4963754
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 3
- Half bathrooms
- 1
- Flooring
- Laminate, Tile
- Appliances
- Built-In Oven, Cooktop, Dishwasher, Disposal, Gas Water Heater, Microwave, Refrigerator, Water Filtration System
- Interior features
- Ceiling Fans(s), Crown Molding, Eat-in Kitchen, High Ceilings, Primary Bedroom Main Floor, Solid Surface Counters, Split Bedroom, Stone Counters, Tray Ceiling(s), Walk-In Closet(s), Window Treatments
- Laundry
- Inside, Laundry Room
- Stories / Levels
- One
- Direction faces
- West
- Fireplace
- Yes
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
- Parking features
- Driveway, Garage Door Opener
HOA & Financial
- HOA fee
- $1,825 / Annually
- Monthly HOA
- $152/mo
- Total monthly fees
- $152/mo
- Total annual fees
- $1,825
- HOA name
- Shannon Wood Gosnell
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 1-2 Years
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- 12 month minimum lease. NO short term rentals allowed. Community HOA Bylaws require each owner to perform a criminal background check on each tenant and background guidelines, as stated in the bylaws, must be adhered to.
Exterior & Construction
- Exterior features
- Lighting, Private Mailbox, Rain Gutters, Sliding Doors
- Construction materials
- Block, Stucco
- Roof
- Metal
- Foundation
- Slab
- Pool
- Private pool
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- BB/HS Internet Available, Cable Available, Electricity Connected, Natural Gas Connected, Public, Sewer Connected, Sprinkler Meter, Water Connected
Community
- Pets allowed
- Cats OK, Dogs OK, Number Limit, Yes
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Great Room | First | 22x25 |
| Kitchen | First | 12x15 |
| Dinette | First | 12x14 |
| Office | First | 10x12 |
| Primary Bedroom | First | 13x17 |
| Primary Bathroom | First | 12x15 |
| Bedroom 2 | First | 13x14 |
| Bathroom 2 | First | 8x11 |
| Bedroom 3 | First | 13x14 |
| Bathroom 3 | First | 8x11 |
| Bathroom 4 | First | 4x6 |
| Laundry | First | 7x9 |
| Balcony/Porch/Lanai | First | 9x33 |
Listing Details
- Listing date
- 2026-07-30
- On market date
- 2026-07-30
- Original list price
- $749,000
- Occupant type
- Vacant
- MLS area
- 33884 - Winter Haven / Cypress Gardens
- Listing AOR
- Lakeland
- Status changed
- 2026-07-30
- Tax legal description
- CYPRESSWOOD PALMA CEIA PB 122 PGS 7-8 LOT 19
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
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.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
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.
Based on information submitted to the MLS GRID as of August 3, 2026 at 10:39 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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