Eloise Cove
Homes for Sale in Winter Haven, FL
True comps, carrying-cost math, and listings before the portals.
Over the 12 months ending 2026-08-02, 3 recorded sales closed at a median of $440,000, $141 per square foot, a median 130 days on market, sellers accepting 94% of original asking. At the median price and Polk County's FY2025-26 rate of 16.19 mills, annual property tax runs about $7,120 ($6,450 with the full homestead exemption).
Price in Eloise Cove is driven by the home itself, not by a community premium. The amenity set is bare, the median living area sits near 3,946 square feet, and the housing stock spans more than a century - from 1895 to 2024, with a median build year of 2006. That mix means condition, size, and era do most of the work in setting value here, and the single reference point we have is a median of $440,000 at roughly $141 per square foot.
The current posture is slow. Median days on market sits at 130 - a long marketing window - and there are no active listings against only a handful of recent closings. For a seller, that argues for sharp pricing and patience; the market is not rewarding ambition on timeline. For a buyer, a thin, slow-moving pool means more room to underwrite condition carefully and less pressure to decide fast.
Figures in this note are as of October 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside Eloise Cove right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Eloise Cove market snapshot (as of August 2, 2026): the median sale price is about $440K ($141 per sq ft over the trailing 12 months of closed sales), and a median 130 days on market for closed sales.
In ZIP 33884 (Winter Haven), 651 homes closed in the last 12 months at a median of $308K ($163/sq ft), down 0.9% year over year, with a median 57 days on market. Right now 2 active and 2 pending listings. See the live ZIP 33884 housing market and the Polk County market.
Eloise Cove is a community of 102 homes in Winter Haven, Polk County, built between 1895 and 2024 (median 2006), with a median living area of about 3,946 square feet. 69% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Eloise Cove is a small Winter Haven pocket of about 102 homes with no identified shared amenities, where the large median footprint and a build range stretching from 1895 to 2024 make this a condition-and-size story rather than a cookie-cutter subdivision.
Who Eloise Cove is best for.
Best for
- Buying for space, where a large median living area matters more than shared amenities
- Buyers comfortable underwriting condition and era across a widely varied housing stock
- Buying to hold, with a timeline that tolerates a slow, thin resale market
Probably not for
- Needing to buy or sell on a fast timeline given the 130-day median marketing window
- Wanting a pool, clubhouse, or other community amenities - none are identified here
- Looking for uniform, newer construction rather than a stock spanning 1895 to 2024
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending August 2 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($440K) IS the median in the snapshot above.
Windows contain 0 to 4 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2006 through 2026. Deemed reliable but not guaranteed.
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.
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.
25% of homes for sale in ZIP 33884 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-08-01).
Eloise Cove Market Scorecard
Eloise Cove is currently a balanced market..
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Schools
- Polk County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Polk County Public Schools (verify by address) · Public
- Confirm zoned elementary, middle, and high · By address
- Magnet and choice options may apply · Choice
Zoned schools reflect the assignments reported on recent Eloise Cove listings and can change; always confirm with Polk County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Eloise Cove address.
Recent Developments in Eloise Cove
Development, infrastructure, retail, and school activity affecting Eloise Cove, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- October 2026Parks & Amenities
Polk County and State Preserve About 375 Acres of Working Ranch Land in Alturas
Polk County and the Florida Department of Agriculture and Consumer Services closed a $3,005,000 conservation easement on a cattle ranch with shoreline on the north side of Gator Lake in Alturas. The county paid $750,000 and the state's Rural and Family Lands Protection Program covered the rest. The easement bars development while ranching continues.
What it may mean for the marketThe easement keeps roughly 375 acres near Alturas undeveloped, limiting future residential supply on that parcel while preserving open space and lake frontage. The project is about 10 miles south of Eloise Cove, elsewhere in Polk County.
Source: Polk County Government - September 2026Infrastructure
$1.2 Million Sidewalk Project Completed in Northwest Lake Wales
Lake Wales finished a $1.2 million sidewalk phase covering Orange Avenue, Wetmore Street, Sessoms Avenue, Seminole Avenue, Seaboard Avenue, Dorsett Avenue, B Street and C Street, rehabilitating existing walks and adding new ones. A state grant paid for the work, and an earlier phase finished in 2025. Landscaping and street trees remain scheduled in some areas.
What it may mean for the marketNew sidewalks improve walking access to nearby streets and amenities in northwest Lake Wales. The project is about 8 miles southeast of Eloise Cove, elsewhere in Polk County.
Source: DailyRidge - July 2026Development
Haines City Data Center Proposal on Hold Over Water Capacity
Texas based Cielo Digital Infrastructure has proposed a data center on Marion Road and State Road 544 East in Haines City, requesting 150,000 gallons of potable water per day. City officials say the project remains preliminary, is awaiting additional water allocation from the Southwest Florida Water Management District, and has not yet come before the commission for approval.
What it may mean for the marketA proposed data center signals commercial and industrial interest in the Haines City area while highlighting water infrastructure limits that could shape the pace of future development. The project is about 8 miles northeast of Eloise Cove, elsewhere in Polk County.
Source: Bay News 9 - June 2026Development
Haines City Commission Reviews Lake Eva Estates Subdivision
Haines City reviewed a preliminary plat for Lake Eva Estates, a 31 lot single family subdivision on 16.68 acres west of 10th Street South by Lake Eva. The project is zoned low density residential and includes an approved traffic study.
What it may mean for the marketA new single family subdivision adds for sale housing supply in the Lake Eva area and reflects continued residential platting activity in Haines City. The project is about 10 miles northeast of Eloise Cove, elsewhere in Polk County.
Source: The Citrus Tea - May 2026Development
SouthState Plans $17M Office in Downtown Winter Haven
SouthState plans a $17.2 million, five story, 40,035 square foot Class A office building on vacant parcels along Central Avenue in downtown Winter Haven. The regional operations center would house about 125 employees, with construction expected to begin in July 2026 and take 12 to 16 months.
What it may mean for the marketA new downtown office building adds employment space and Class A commercial inventory to downtown Winter Haven, supporting the area's redevelopment and taxable value. The project is about 4 miles northwest of Eloise Cove, elsewhere in Polk County.
Source: Tampa Bay Business & Wealth
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 Eloise Cove buying strategy.
If we were buying in Eloise Cove today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Eloise Cove.
A wide-spanning stock, priced home by home
The defining feature here is spread. A build range from 1895 to 2024 inside roughly 100 homes means you are comparing properties that have almost nothing structurally in common, and the median year built of 2006 tells you the stock leans newer than the oldest outliers suggest. The $141-per-square-foot median reflects generous floor plans - a median near 3,946 square feet - more than finish level, so two homes at similar prices can differ sharply in age and condition.
Owner-occupancy runs on the higher side, with a homestead share just under 69 percent, which tends to track with longer tenures and homes that come to market less frequently. Combine that with zero active listings and only three recent closings, and you get a market that moves in fits and starts. The 130-day median marketing time is the number to respect: this is not a place where inventory turns quickly.
The location and the amenities are priced into every listing in Eloise Cove. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
A market with no active listings, a long days-on-market median, and a housing stock spanning more than a century is exactly where general comps fall apart. We underwrite each property on its own age, condition, and footprint rather than leaning on a neighborhood average, and we set expectations on timeline up front - because here, patience is part of the pricing strategy.
Eloise Cove in 15 seconds.
Tools for a Eloise Cove buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Eloise Cove sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Eloise Cove, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Eloise Cove home worth?
Get a no-obligation home value based on real comparable sales in Eloise Cove, 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 all homes for sale in Winter Haven →
| Location | Winter Haven, Polk County, FL · ZIP 33884 |
|---|---|
| Homes in the community | 102 (FL DOR 2025 assessment roll) |
| Years built | 1895–2024 (median 2006) |
| Typical living area | 3,946 sq ft (median) |
| Sale prices, last 12 months | $440,000 median across 3 closed sales · $141 per sq ft |
| Days on market (closed sales) | 130 median |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 69% |
| Zoned public schools | Polk County Public Schools (verify by address); Confirm zoned elementary, middle, and high; Magnet and choice options may apply |
Data as of August 2, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2006 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Eloise Cove key facts,” movewithmomentum.com/neighborhoods/eloise-cove, data as of August 2, 2026.
Housing distress & ownership in ELOISE COVE, Winter Haven
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period October 2026 through October 2026. Deemed reliable but not guaranteed.
More Winter Haven home searches
- All homes for sale in Winter Haven, FL
- Gated communities in Winter Haven
- Winter Haven home values: what is my house worth?
- ZIP 33884 housing scorecard
Winter Haven guides & data
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Eloise Cove Drive (29 homes on record)
Email me new listings in Eloise Cove
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Eloise Cove
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Eloise Cove will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Eloise Cove?
How long do homes in Eloise Cove take to sell?
How many homes are in Eloise Cove?
What share of Eloise Cove is owner-occupied?
When were the homes in Eloise Cove built?
Do cash buyers compete in Eloise Cove?
What schools serve Eloise Cove?
Who is the best real estate agent for Eloise Cove?
How do I find a top Winter Haven real estate agent who knows Eloise Cove?
Can Momentum Realty connect me with an agent for Eloise Cove?
Where is Eloise Cove, and what county is it in?
Should you buy in Eloise Cove?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: June 25, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending August 2, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 33884)) |
| Under-contract shares | Stellar MLS records, as of 2026-08-01 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2006 (40 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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More on Eloise Cove
- Home values · What homes in Eloise Cove actually sell for