4040 Palma Ceia Circle, FL4040 Palma Ceia Circle, FL4040 Palma Ceia Circle, FL
Stellar MLS
1 / 100

$749,000

4040 Palma Ceia Circle

Winter Haven, FL 33884

Listing updated: August 3, 2026 at 10:39 AM ET

Active
Stellar MLSListing courtesy of The Stones Real Estate Firm · Deanna Stone · MLS #L4963754 · Active · 863-412-2080
3
Beds
4
Baths
2,493
Sq Ft
0.3
Acres
2005
Built
WaterfrontWater accessPrivate poolFireplace$300/sqft
Single Family Residence

Property type

2005

Year built

12,907 sqft

Lot size

$300

Price / sq ft

$152/mo

HOA dues

4

Days on market

2

Garage spaces

X

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

Principal & interest$3,787
Property taxes$459
Home insurance (est.)$343
HOA dues$152

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

  1. Status: Active
    Jul 30, 2026
  2. Listed$749,000
    Jul 30, 2026
  3. 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

Ask about this home

Have a question? Ask the broker directly.

Ryan Solberg answers personally — no call center, no spam. Your question goes straight to him.

Your question is private and goes only to Ryan — it is never published on this page.

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

ElementaryElbert ElemGreatSchools ↗
MiddleDenison MiddleGreatSchools ↗
High SchoolWinter Haven SeniorGreatSchools ↗

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

RoomLevelDimensions
Great RoomFirst22x25
KitchenFirst12x15
DinetteFirst12x14
OfficeFirst10x12
Primary BedroomFirst13x17
Primary BathroomFirst12x15
Bedroom 2First13x14
Bathroom 2First8x11
Bedroom 3First13x14
Bathroom 3First8x11
Bathroom 4First4x6
LaundryFirst7x9
Balcony/Porch/LanaiFirst9x33

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 riskFEMA Zone XPanel 12105C0369G

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.

More homes like this

MLS GRID

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.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA