Elbert Acres Homes for Sale in Winter Haven, FL

Mid-1980s single-family subdivision · Polk County · ZIP 33881

A small mid-1980s subdivision near Lake Elbert in northeast Winter Haven, the residential read for buyers who want an established no-HOA street.

Near Lake ElbertNo-HOA single-familyMid-1980s stock

Live Market Pulse

50/100
Momentum

Buyer-Leaning Market (limited data)

This is a small established subdivision, not a master plan, so the honest read is the individual home, the lot, and the condition, not a large townwide average. Confirm the exact subdivision, lot, and any deed restrictions per parcel with the listing.

Free · No obligation

Unlock Off-Market Elbert Acres

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive Stellar MLS data14 years of closingsLocal renovation analysisUpdated twice daily

LiveMarket PulseStellar MLS

$175K

Median Price

0mo

Supply

n/a

Avg DOM

Soft

Seller Leverage

$161/sf

Median $/Sqft

n/a

1-Yr Price Change

0now

Distress

Jon's Current Read

"Elbert Acres is a small established single-family subdivision in northeast Winter Haven, recorded in Stellar MLS under the Elbert Acres subdivision name, with the platted Elbert Acres Court at its core and a handful of nearby streets. Public records and listing data point to a mid-1980s build era of one-story wood-frame homes on modest lots, with no homeowners association attached to the core parcels, so carrying cost is taxes, insurance, and upkeep rather than dues. The draw is location: a quiet pocket near Lake Elbert and the Winter Haven Chain of Lakes, close to downtown Winter Haven and the city's lake network. Because the subdivision is small and older, the read is home by home: the condition, the roof and systems age, the lot, and the flood picture matter more than any neighborhood average. Your leverage is reading the specific home and lot honestly, confirming the subdivision and any restrictions per parcel, and pricing condition against the established stock around it."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Elbert Acres market snapshot (as of June 26, 2026): the median sale price is about $175K ($161 per sq ft), a buyer-leaning market (limited data). Based on 2 recent closings in live Stellar MLS data.

Elbert Acres is a small single-family subdivision in northeast Winter Haven, Polk County, ZIP 33881, recorded in Stellar MLS under the Elbert Acres subdivision name (Stellar MLS records via public listing data, 2026). The platted Elbert Acres Court NE sits at its core, near Lake Elbert and the Winter Haven Chain of Lakes on the city's northeast side.

Public records and listing data describe the homes as one-story, wood-frame, slab-foundation houses built in the mid-1980s, with listings citing build years around 1984 to 1986 and modest lots in the range of roughly a sixth of an acre (homes.com and Stellar MLS public records, 2026). Confirm the exact year built, square footage, and lot size for any specific home, since an older small subdivision varies house to house.

Because this is a small established subdivision rather than a large master plan, value is made or lost on the individual home and lot, not on a townwide average. The drivers are the condition, the roof and systems age, the lot, the flood picture, and any deed restrictions on the specific parcel, all of which have to be read from the listing and the record for that home.

The pitch is a quiet established address near the water: Lake Elbert and the Winter Haven Chain of Lakes are close, downtown Winter Haven is a short drive, and Legoland Florida and the wider Polk County job and retail corridors are within reach. The work is the diligence: read the home, the roof and systems, the flood zone, and any restrictions before you fall for the price.

Quick Match

Who Elbert Acres is best for.

Best for

Buyers who want an established no-HOA single-family street near Lake Elbert
Buyers who value a quiet northeast Winter Haven pocket over a new master plan
Buyers comfortable reading the condition and systems of an older home
Buyers who want proximity to the Winter Haven Chain of Lakes and downtown

Probably not for

Buyers who want a brand-new home with modern energy systems and warranties
Buyers who want resort amenities, a clubhouse, or a gated entrance
Anyone unwilling to verify the subdivision, lot, and restrictions per parcel
Buyers who want a large uniform community with predictable comparable sales

Market Pulse

How Elbert Acres is performing right now

50/100
momentum

Buyer-Leaning Market (limited data)

Seller's marketBalancedBuyer's market

0Months of supplytight

57Median days on marketdays

0 : 0Under contract vs for salestrong demand

2Sold in last 12 monthsliquidity

+127%Median price since 2012appreciation

+0%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from Stellar MLS, as of June 26, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Elbert Acres listings and the trailing twelve months of closed sales.

Where prices are going$850K2026 YTD

Median sale price by year. Tap a label to compare Lake Elbert area or Winter Haven. The 1-year price change is the median sold price over the most recent year versus the prior year, the same measure most listing sites and local Realtor reports use. It reflects the mix of homes that sold, not the change in any single home's value, which is why median price per square foot is shown alongside it to adjust for home size. In thinly traded neighborhoods, where a sale or two can swing the median, we lead with the mix-resistant price-per-square-foot trend instead.

Price per square foot$3072026 YTD

Median $/sqft by year. 2026 is year to date.

Supply and demand now0 : 0active : pending

For sale0

Pending0

Sold 12mo2

Active and pending listings now vs homes sold in the last 12 months.

8.6A- score

Momentum intelligence

Momentum buy score

Our proprietary read on how a home in Elbert Acres buys, holds, and resells. See the five factors.

Homes For Sale Right Now in Elbert Acres

Live MLS inventory for Elbert Acres. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

1761 Elbert Acres Court home for sale in Elbert Acres

Sold

$214,900

3 bd · 2 ba · 1,016 sqft · built 1988

1761 Elbert Acres Court, WINTER HAVEN, 33881

Listed by ENTERA REALTY LLC

276 18Th Street home for sale in Elbert Acres

Sold

$135,000

3 bd · 2 ba · 1,218 sqft · built 1989

276 18Th Street, WINTER HAVEN, 33881

Listed by COLDWELL BANKER REALTY

No homes are actively for sale in Elbert Acres right now, so its recent closed sales are shown, as of 2026-06-26, priced high to low. Listings courtesy of Stellar MLS as distributed by MLS GRID.. Tap any home to ask about it.

Interactive Map

Elbert Acres on the map.

Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.

Listing locations from Stellar MLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

Nearby & Commute

How far is everything?

The takeaway

Elbert Acres trades amenities for a quiet established address near the water, with Lake Elbert, downtown Winter Haven, and the Chain of Lakes close and the I-4 corridor a manageable drive.

Drive times from the subdivision. They are approximate and vary with traffic and your exact routine.

Lake Elbert~1 to 3 min · and the Chain of Lakes

Downtown Winter Haven~5 to 10 min · shops and dining

Legoland Florida~15 to 20 min · to the south

Winter Haven Hospital~5 to 10 min · medical center

US 17 and Cypress Gardens Blvd~5 to 10 min · retail corridors

Interstate 4~20 to 30 min · to Tampa and Orlando

Lakeland~25 to 35 min · to the west

Distances and times are approximate and vary with traffic and the specific home. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Elbert Acres Homes for Sale in Winter Haven, FL with Momentum Realty’s local guides.

BTBuckeye Trace Homes for Sale in Winter Haven, FLWinter Haven, FL · 0.2 mi EWEloise Woods Homes for Sale in Winter Haven, FLWinter Haven, FL · 0.7 mi LELake ElbertHeights Homes for Sale in Winter Haven, FLWinter Haven, FL · 0.8 mi LMLake MariamHills Homes for Sale in Winter Haven, FLWinter Haven, FL · 0.8 mi LELake ElbertHeights Homes for Sale in Winter Haven, FLWinter Haven, FL · 0.9 mi EHElbert Hills,Winter Haven Homes for SaleWinter Haven, FL · 1.0 mi OHOverlookEstates Homes for Sale in Winter Haven, FLWinter Haven, FL · 1.0 mi OSOrchid SpringsPatio Homes in Winter Haven, FLWinter Haven, FL · 1.1 mi

Elbert Park Homes for Sale in Winter Haven, FLWinter Haven, FL · 1.1 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr

Elbert Acres (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take

Polk County Public Schools
Verify the zoned schools by address
Magnet and choice options may be available
Confirm current ratings before relying on them
Private and parochial options nearby

Elbert Acres is served by Polk County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Public

Polk County Public Schools (verify by address)

Verifyrating

By address

Polk County Public Schools (verify by address)

Verifyrating

Choice

Polk County Public Schools (verify by address)

Verifyrating

Buying with schools in mind? We can confirm the exact zoned schools for any Elbert Acres address.

The takeaway

What is actually shaping value around Elbert Acres: Winter Haven's investment in its Chain of Lakes water quality and lake parks, steady demand for established no-HOA homes in Polk County, and the wider growth of the Winter Haven and Polk County corridor. Each item is sourced and linked.

Recent Developments in Elbert Acres

Development Intelligence

Our read on what is being built around Elbert Acres, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishAn established no-HOA pocket near the lake supports steady demand, with the watch items being the age of the mid-1980s housing stock and the lakeside flood and drainage read per home.

Winter Haven Chain of Lakes water-quality monitoring

2024

BullishNotable impact

SignificanceRadius: Area

The City of Winter Haven monitors and manages the health of Lake Elbert and its lake network, supporting the long-term appeal of homes near the water.

Mid-1980s housing stock and systems age

Ongoing

NeutralMajor impact

SignificanceRadius: Community

Homes built in the mid-1980s mean roof, HVAC, and systems ages are the core diligence, with updates driving the real carrying cost.

No HOA on the core lots

Ongoing

BullishNotable impact

SignificanceRadius: Community

No mandatory HOA dues on the core parcels lowers fixed carrying cost, though each owner carries their own maintenance and insurance.

Lakeside flood and drainage exposure

Ongoing

NeutralNotable impact

SignificanceRadius: Community

Proximity to Lake Elbert and the Chain of Lakes makes the FEMA flood zone, elevation, and drainage read critical per lot.

Winter Haven and Polk County growth

Ongoing

BullishNotable impact

SignificanceRadius: Region

Continued growth across Winter Haven and Polk County, with Legoland and the I-4 corridor nearby, underpins demand for established homes.

Thin inventory in a small subdivision

Ongoing

NeutralMinor impact

SignificanceRadius: Community

With a small number of homes, sales are infrequent and comps are few, so pricing leans on the wider Lake Elbert area stock.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Elbert Acres, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

January 2024
Environment
Winter Haven publishes its annual lakes report on Chain of Lakes health
The City of Winter Haven's Natural Resources Division compiles annual water-quality, hydrology, and aquatic-biology assessments for its lakes, including Lake Elbert, as part of managing the Winter Haven Chain of Lakes. Why it matters: Active monitoring and management of the lake network supports the long-term appeal of homes near Lake Elbert, though the flood and drainage read still has to be confirmed per lot. Source

Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

The Strategy

The Elbert Acres buying strategy.

If we were buying in Elbert Acres, this is the order of operations we would run, and the one we run for our clients.

Read the home and its systems first. In a mid-1980s subdivision, the roof age, the HVAC, the plumbing, and the electrical drive the real cost more than the list price, so get the condition and ages early.

Confirm the subdivision and any deed restrictions per parcel. Listings tie these homes to the Elbert Acres subdivision with no HOA on the core lots, but verify the exact subdivision and any recorded restrictions for the specific home.

Check the FEMA flood zone and the Lake Elbert proximity. The subdivision sits near the lake and the Chain of Lakes, so confirm the flood zone, the elevation, and any drainage history for the exact lot.

Read the lot and the setting. In a small older subdivision the lot size, the orientation, and the street position set value within the pocket, so weigh the specific parcel.

Cross-shop the wider Lake Elbert and northeast Winter Haven stock, if a different era, lot, or price point fits better than this small subdivision.

The Quick Decision

Best Buy

A well-maintained one-story home with an updated roof and systems on a good lot

Biggest Risk

Underbudgeting roof, HVAC, and systems updates on older mid-1980s stock

Best Lot

A higher, well-drained lot with a confirmed flood read near the lake

Smart Timing

Confirm the home condition, the systems, and the flood zone before you offer

Deep-Dive Intelligence

The full read, only if you want it.

The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

Elbert Acres is a small established single-family subdivision rather than an amenity community, so the lifestyle is quiet northeast Winter Haven living near the water. There is no clubhouse, gate, or shared pool on the core lots, but Lake Elbert, the Winter Haven Chain of Lakes, and the city's lake parks and boat access are close, with downtown Winter Haven a short drive. Restrictions, lot rules, and any nearby association vary by parcel, so confirm what applies to the specific home with the listing and the record before you buy.

Elbert Acres Homes For Sale

What your money buys in Elbert Acres.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

Here are the broad resale bands in Elbert Acres today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

The Entry Home

$135K to $135K

An older one-story home needing updates, the affordable way into the pocket, where condition and systems age drive value.

Lowest entry

The Core Home

$135K to $215K

A well-maintained one-story home with an updated roof and systems on a solid lot, the heart of the resale market here.

Most inventory

The Top

$215K to $215K

The most updated homes on the best, well-drained lots near the lake, the ones that hold value best in a small subdivision.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

See Off-Market & Private Listings

What Your Money Buys

What ~$175K buys here.

Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.

$135K to $135K

The Entry Home

An older one-story home needing updates, the affordable way into the pocket, where condition and systems age drive value.

$135K to $215K

The Core Home

A well-maintained one-story home with an updated roof and systems on a solid lot, the heart of the resale market here.

$215K to $215K

The Top

The most updated homes on the best, well-drained lots near the lake, the ones that hold value best in a small subdivision.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

Operator Intelligence

Renovation & Resale Intelligence

The factors that actually move value in Elbert Acres, condition, lot, and the renovation math, read from current listings and recent sales.

15-Second Take

Renovation math decides the deal
Better lots and views resell strongest
Roof and HVAC age drive the insurance quote
Interior lots are where buyers overpay

Proprietary Data

The renovation premium.

Renovated-listing inventory in Elbert Acres is too thin right now to compute a reliable renovation premium. We read condition home by home against real comps before you offer.

Lot Value

The lot premium.

On a preferred homesite (water, preserve, corner, or a larger lot), the homesite is the part of your money the market gives back at resale. The house can be renovated; the lot cannot, so premium lots hold their value better than interior ones. How much more they command varies by frontage, view, and condition, which is why we read it home by home against real comparable sales rather than a single headline figure.

Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Resale Strength Scorecard

How well Elbert Acres holds value.

Our read on the factors that protect resale here, and the one to manage.

Home ageMid-1980s stock, read roof and systems ages

Systems and roof riskBudget for HVAC, roof, and systems updates

Flood and drainage exposureNear the lake, verify zone and drainage per lot

Carrying costNo HOA on the core lots lowers fixed cost

Location near the lakeLake Elbert and Chain of Lakes nearby

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in Elbert Acres

15-Second Take

Calling the listing agent (who works for the seller)
Misjudging the renovation budget
Overpaying for an interior lot
Underbudgeting the carrying costs
Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

Calling the listing agent

The agent on the sign works for the seller. In a market where condition swings price by hundreds of thousands, negotiating against that agent with no one in your corner is the costliest move of all.

Misjudging the renovation math

A dated home looks like a deal until you price the roof, HVAC, pool, and full modernization honestly. Underbudget the reno and the bargain becomes the expensive house.

Overpaying for an interior lot

A premium homesite (water, preserve, or a preferred position) carries a real, durable premium. Pay a top price for an interior lot and you are buying the weakest version of the value.

Underbudgeting the carrying costs

Two similar homes can cost very differently to own once the HOA, any CDD, insurance, and upkeep are priced in. Buyers who do not run the full monthly carrying cost misread the real number.

Skipping the systems check

An older home means older systems unless updated. Roof age, HVAC age, pool equipment, and prior renovations drive both price and insurability, and a thorough inspection matters more here than in a new build.

“

Elbert Acres is a small established subdivision, not a townwide average. The deal is won or lost on the individual home, the systems, the lot, and the flood read.

Jon Brooks · Founder, Momentum Realty

Momentum Intelligence

Momentum Buy Score.

Our proprietary 0 to 10 read across the five factors that decide how a home here buys, holds, and resells.

6.8C+ · Buy Score

Resale Strength6.7/10

Renovation Risk5.8/10

Location Efficiency7.2/10

Long-Term Defensibility6.0/10

Carrying Cost Advantage7.6/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Momentum Housing Intelligence

Why our read on Elbert Acres is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live Stellar MLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live Stellar MLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates

Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

About the analyst · Our methodology

Which Lots & Views Hold Value Best

Proprietary Data · Lot Value Map

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)

$261 value$401 premium

Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from Stellar MLS; for orientation, not an appraisal.

15-Second Take

In a small subdivision, the home and lot are the asset
Well-maintained homes with updated systems hold value best
Confirm the FEMA flood zone and drainage near the lake
Read the roof and systems ages before the finishes
Verify the subdivision and any restrictions per parcel

In a small established subdivision, the part of your money the market protects is the individual home, its systems, and the lot, plus the setting near Lake Elbert. A well-maintained one-story home with an updated roof and systems on a well-drained lot holds value better than a deferred-maintenance home on a low lot. The finishes can be updated; the roof and systems age, the lot, and the flood picture set the floor. Read the systems, the flood zone, and any restrictions first, then price the condition of the home against the established stock around it.

The 15-Second Verdict

Elbert Acres in 15 seconds.

Best forBuyers who want an established no-HOA single-family street near Lake Elbert.

Biggest advantageA quiet established pocket near the Winter Haven Chain of Lakes with no HOA dues.

Biggest riskRoof, HVAC, and systems updates on mid-1980s homes, plus the lakeside flood read.

Sweet spotA well-maintained one-story home with updated systems on a good, well-drained lot.

Avoid ifYou want a brand-new home, resort amenities, or a large uniform master plan.

No HOA, So Read the Home and the Carrying Cost

15-Second Take

Confirm there is no HOA on the exact parcel
Budget for your own roof, systems, and yard upkeep
Check for any recorded deed restrictions per parcel
Carry your own insurance and confirm the flood zone
Verify any special district or assessment by address

Listing and public records describe the core Elbert Acres parcels as having no homeowners association, so there is generally no mandatory monthly HOA fee on these homes. That shifts the read to taxes, insurance, and maintenance rather than dues and shared reserves. Confirm there is no HOA, and check for any deed restrictions or special districts, on the exact parcel before you buy.

With no HOA on the core lots, there is no association covering common areas, exterior upkeep, or shared amenities, so each owner carries their own maintenance, insurance, and yard. Some nearby streets or later parcels could differ, so verify whether any association, restriction, or special district applies to the specific home rather than assuming the whole pocket is identical.

Run Your Numbers

Tools for a Elbert Acres buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxPolk County millage and the homestead picture.Rent vs buyThe breakeven on owning in Elbert Acres.Save Our HomesProject your homestead tax cap over time.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Selling in Elbert Acres

Price to the home, the systems, and the lot, not a zip-code average.

Selling here means pricing to your specific home and lot, not a zip-wide estimate. The condition, the roof and systems age, the updates, and the lot are what set your number in a small established subdivision near the lake.

Momentum listings (YTD)

97.98%

Sold-to-list ratio across our market for our agents, sellers keeping more of their price.

Market average (YTD)

96.73%

The broader metro average sold-to-list ratio over the same period.

Momentum days on market

64 days

Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.

Market days on market

72 days

The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Elbert Acres, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Lake Elbert area, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Elbert Acres home worth?

Get a no-obligation home value based on real comparable sales in Elbert Acres matched to your condition, lot, and view, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See homes for sale in Elbert Acres on the map →
Or get your Elbert Acres home value & selling guide →

Real comps, not a Zestimate.

The real cost & risk here

Before the list price, the Florida math the portals skip. These are Polk County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$1,674/mo

Polk County typical true cost to own

$161/mo

Polk County typical home insurance

Check CDD

Confirm before you offer

Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Polk County scorecard.

County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.

Elbert Acres Market Scorecard

No active listings

Elbert Acres is currently a no active listings. Limited supply, a median asking price of n/a.

n/a

Months supply

n/a

Median list

$174,950

Median sold

n/a

Per sqft

n/a

Days on mkt

0/0/2

Active/Pend/Sold

Typical home value in the 33881 ZIP is $266,497, right around the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Where is Elbert Acres?

It is a small single-family subdivision in northeast Winter Haven, Polk County, ZIP 33881, near Lake Elbert and the Winter Haven Chain of Lakes, with the platted Elbert Acres Court NE at its core.

Is Elbert Acres the same as Elbert Park?

No. Elbert Acres is a distinct subdivision recorded under its own Stellar MLS subdivision name near Lake Elbert. Confirm the exact subdivision on any listing, since other nearby names reference the same lake.

When were the homes built?

Public records and listings point to a mid-1980s build era, with listing years cited around 1984 to 1986 (homes.com and Stellar MLS public records, 2026). Confirm the exact year built for any specific home.

What kind of homes are in Elbert Acres?

Records describe one-story, wood-frame, slab-foundation single-family homes on modest lots. Sizes and layouts vary by home, so confirm the square footage, bedroom count, and lot size on the specific listing.

Is there an HOA in Elbert Acres?

Listing and public records describe the core parcels as having no homeowners association, so there is generally no mandatory HOA fee. Confirm there is no HOA, and check for any deed restrictions, on the exact parcel.

Is Elbert Acres age-restricted?

Records describe the subdivision as not a senior community, so it is not age-restricted. Confirm the specific home and any restrictions on the listing.

What are the carrying costs without an HOA?

With no HOA on the core lots, the carrying cost is taxes, insurance, and maintenance rather than dues. Budget for your own roof, systems, and yard upkeep, and confirm the tax and insurance picture per home.

Should I worry about flooding near Lake Elbert?

The subdivision sits near Lake Elbert and the Chain of Lakes, so the flood and drainage read matters. Always check the FEMA flood zone, the lot elevation, and any drainage history, and get an insurance quote for the exact home.

What condition are the homes in?

As mid-1980s homes, condition varies widely, and the roof, HVAC, plumbing, and electrical ages drive the real cost. Read the systems and any updates closely on each listing before you offer.

What schools serve Elbert Acres?

It is part of Polk County Public Schools, with assignment by address that can change. Confirm the exact zoned elementary, middle, and high schools for the specific home, and note that magnet and choice options may apply.

What is nearby?

Lake Elbert and the Winter Haven Chain of Lakes are close, with downtown Winter Haven a short drive and Legoland Florida and the wider Polk County corridors within reach. Confirm real drive times for your routine.

Is Elbert Acres a good investment?

An established no-HOA pocket near the lake supports steady demand, but this is a small older subdivision, so the individual home condition, systems, and lot drive the outcome. This is not a guarantee of future value; read the home and the record.

How does it compare to newer Winter Haven communities?

Newer Winter Haven communities offer brand-new construction and amenities at higher pricing with HOA dues, while Elbert Acres is an established no-HOA pocket of older homes. Which is the better buy depends on your budget, your tolerance for updates, and whether you want amenities.

How many homes are in Elbert Acres?

It is a small subdivision centered on Elbert Acres Court NE with a limited number of homes, so inventory is thin and comps are few. Confirm current availability and recent sales with a local agent and the live MLS feed.

Who is the best real estate agent for Elbert Acres?

The best agent for Elbert Acres is one who actively works Winter Haven and knows the community's pricing, HOA and CDD details, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Elbert Acres.

How do I find a top Winter Haven real estate agent who knows Elbert Acres?

Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Elbert Acres and the wider Winter Haven area.

Can Momentum Realty connect me with an agent for Elbert Acres?

Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Elbert Acres purchase or sale - no call center and no pressure.

The Verdict

Should you buy in Elbert Acres?

An honest fit check. We will tell you when it is not your community.

Buyers who want an established no-HOA single-family street near Lake ElbertExcellent fit

Buyers who value a quiet northeast Winter Haven pocket over a new master planExcellent fit

Buyers comfortable reading the condition and systems of an older homeExcellent fit

Buyers who want proximity to the Chain of Lakes and downtown Winter HavenExcellent fit

Buyers who want lower carrying cost with no HOA dues on the core lotsExcellent fit

Buyers who want a brand-new home with modern systems and warrantiesProbably not

Buyers who want resort amenities, a clubhouse, or a gated entranceProbably not

Anyone unwilling to verify the subdivision, lot, and restrictions per parcelProbably not

Buyers who want a large uniform community with predictable compsProbably not

Buyers unwilling to budget for roof and systems updates on older homesProbably not

Get the inside read on Elbert Acres

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Elbert Acres home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

You are all set.

A Momentum Realty Elbert Acres specialist will reach out personally, usually the same day.

Thinking about hiring an agent here? How to find the best real estate agent in Elbert Acres - what to look for, questions to ask, and your local expert.

Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. 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; deemed reliable but not guaranteed by MLS GRID.

Elbert Acres Homes for Sale in Winter Haven, FL

The 60-Second Overview

Who Elbert Acres is best for.

Best for

Probably not for

How Elbert Acres is performing right now

Homes For Sale Right Now in Elbert Acres

Elbert Acres on the map.

How far is everything?

Nearby Communities

Schools

Polk County Public Schools (verify by address)

Polk County Public Schools (verify by address)

Polk County Public Schools (verify by address)

Recent Developments in Elbert Acres

Winter Haven Chain of Lakes water-quality monitoring

Mid-1980s housing stock and systems age

No HOA on the core lots

Lakeside flood and drainage exposure

Winter Haven and Polk County growth

Thin inventory in a small subdivision

Winter Haven publishes its annual lakes report on Chain of Lakes health

The Elbert Acres buying strategy.

The full read, only if you want it.

What your money buys in Elbert Acres.

What ~$175K buys here.

Renovation & Resale Intelligence

The renovation premium.

The lot premium.

How well Elbert Acres holds value.

5 Mistakes Buyers Make in Elbert Acres

Calling the listing agent

Misjudging the renovation math

Overpaying for an interior lot

Underbudgeting the carrying costs

Skipping the systems check

Momentum Buy Score.

Why our read on Elbert Acres is different.

Which Lots & Views Hold Value Best

Elbert Acres in 15 seconds.

No HOA, So Read the Home and the Carrying Cost

Tools for a Elbert Acres buy.

Price to the home, the systems, and the lot, not a zip-code average.

In Elbert Acres, condition and view decide your number

What is your Elbert Acres home worth?

Price History: What Homes Here Have Actually Sold For

The real cost & risk here

Elbert Acres Market Scorecard

Frequently Asked Questions

Should you buy in Elbert Acres?

Get the inside read on Elbert Acres

You are all set.

Need to sell fast in Polk County?

You just read the data. Now see what your home is worth.

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