Harmony at
Lake Eloise Homes for Sale in Winter Haven, FL

New master-planned community · Polk County · ZIP 33884

A new D.R. Horton and Casa Fresca community on Lake Eloise in Winter Haven, the honest read for buyers weighing the CDD, the HOA, and new-build value.

Lake Eloise accessNew constructionCDD and HOA

Live Market Pulse

50/100
Momentum

Buyer-Leaning Market (limited data)

This is an active master-planned community still building out in phases, so the honest read is the CDD assessment, the HOA, the phase and lot you buy, and the amenities that are built versus still planned. Confirm every line with the listing and the current district and association documents.

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Unlock Off-Market Harmony at Lake Eloise

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

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Median Price

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Supply

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Avg DOM

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Seller Leverage

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Median $/Sqft

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1-Yr Price Change

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Distress

Jon's Current Read

"Harmony at Lake Eloise is a large new-construction master plan on the north side of Lake Eloise in Winter Haven, built by D.R. Horton and Casa Fresca Homes on roughly 354 acres with a Community Development District the City of Winter Haven established in 2021 (Harmony on Lake Eloise CDD, 2026). The read here is a new-build read: the price is set by the builder and the floor plan, but the real carrying cost is the CDD assessment layered on top of the HOA dues and the Polk County tax rate, so the math has to be read line by line, not from the sticker. The draw is direct Lake Eloise access and a planned two-story amenity center, but in a phased community you have to separate what is built from what is still promised, and confirm which phase, builder, and lot a given home sits in. As an early-phase community the resale story is still forming, so the leverage is buying the right plan on the right lot at a price that accounts for the CDD, then letting the amenities and the lake position carry value as the community matures. Verify the assessment, the HOA, and the amenity timeline before you fall for the lakefront pitch."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Harmony at Lake Eloise is a master-planned new-home community on Hummingbird Road in Winter Haven, Polk County, on the north side of Lake Eloise near Legoland Florida and the Winter Haven Chain of Lakes (D.R. Horton and Casa Fresca Homes community pages, 2026). Reporting and builder material describe a large community of roughly 1,200 planned homes across about five phases on around 354 acres, so it is a true master plan rather than a small infill subdivision.

Homes are built by D.R. Horton and by Casa Fresca Homes, with one and two story single-family floor plans and townhome product cited across the builder and listing pages, generally three to five bedrooms with two to three car garages and block construction (builder community pages and Jome and Zillow listing guides, 2026). Smart home technology, stainless appliances, and shaker cabinetry are standard features the builders advertise; confirm the exact plan, builder, square footage, and included features for any specific home.

Because this is a phased, CDD community, the money is made or lost on the carrying cost and the lot, not just the base price. The Harmony on Lake Eloise Community Development District was established by the City of Winter Haven in 2021, and a CDD assessment is billed on top of the HOA dues and the Polk County property tax (Harmony on Lake Eloise CDD and listing tax detail, 2026). Read the current CDD assessment for the exact lot, the HOA, and the tax rate together before you judge affordability.

The pitch is lake life with a low-maintenance new build: direct access to Lake Eloise and the Chain of Lakes, a planned two-story amenity center with a pool, and minutes to Legoland and historic downtown Winter Haven. The work is the diligence: confirm which amenities are built versus still planned, which phase and builder a home belongs to, and the full CDD, HOA, and tax math before you buy.

Quick Match

Who Harmony at Lake Eloise is best for.

Best for

Buyers who want a new-construction home with builder warranties
Buyers drawn to direct Lake Eloise and Chain of Lakes access
Buyers who want low-maintenance living with planned community amenities
Buyers who will read the CDD assessment, HOA, and tax math closely

Probably not for

Buyers who want an established resale neighborhood with mature trees
Anyone unwilling to budget for a CDD assessment on top of HOA dues
Buyers who need every amenity finished and proven before they buy
Buyers who want a large private acreage lot away from a master plan

Market Pulse

How Harmony at Lake Eloise is performing right now

50/100
momentum

Buyer-Leaning Market (limited data)

Seller's marketBalancedBuyer's market

0Months of supplytight

56Median days on marketdays

0 : 0Under contract vs for salestrong demand

0Sold 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 25, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Harmony at Lake Eloise 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 Other Winter Haven new builds 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

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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 Harmony at Lake Eloise buys, holds, and resells. See the five factors.

Interactive Map

Harmony at Lake Eloise 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.

The Club & Membership

15-Second Take

Optional, member-owned club, separate from the POA
~$30M renovation underway, 2026 to 2028
18-hole course, clubhouse, pool, 10 clay courts
Strong value vs Ponte Vedra clubs
Budget the membership separately from the home

Harmony at Lake Eloise is a master-planned community rather than a single subdivision, so the lifestyle is new-build lake living on the north side of Lake Eloise in Winter Haven. Builder material describes a planned two-story amenity center with a pool, direct access to Lake Eloise and the Chain of Lakes, walking and nature trails, a park, and a playground, with Legoland and historic downtown Winter Haven close by. Amenities, lake access rules, and which features are open versus still planned vary by phase, so confirm the current amenities, the CDD and HOA rules, and what each home includes before you buy.

Nearby & Commute

How far is everything?

The takeaway

Harmony at Lake Eloise trades an established neighborhood for new lake-access living, with Lake Eloise and Legoland minutes away and Tampa and Orlando each a manageable drive.

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

Lake Eloise and Chain of Lakes~1 min · at the community

Legoland Florida~5 to 10 min · on Lake Eloise

Historic downtown Winter Haven~10 to 15 min · shops and dining

State Road 60 corridor~10 to 15 min · retail and commute

US 27~15 to 20 min · north to south route

Lakeland~30 to 40 min · to the northwest

Tampa or Orlando~50 to 70 min · metros either side

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 Harmony atLake Eloise Homes for Sale in Winter Haven, FL with Momentum Realty’s local guides.

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

Harmony at Lake Eloise (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

Harmony at Lake Eloise 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

Confirm zoned elementary, middle, and high

Verifyrating

Choice

Magnet and choice options may apply

Verifyrating

Buying with schools in mind? We can confirm the exact zoned schools for any Harmony at Lake Eloise address.

The takeaway

What is actually shaping value at Harmony at Lake Eloise: the Harmony on Lake Eloise Community Development District established in 2021, the ongoing D.R. Horton and Casa Fresca buildout, and Winter Haven growth near Legoland and the Chain of Lakes. Each item is sourced.

Recent Developments in Harmony at Lake Eloise

Development Intelligence

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

Net OutlookBullishLake access and a new amenity center support demand, with the watch items being the CDD assessment layered on the HOA and tax, the pace of the phased buildout, and how the early resale market settles next to builder inventory.