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

Newer single-residential community · Polk County · ZIP 33884

A newer master-planned community on the west side of Lake Eloise in Winter Haven, the new-construction read for buyers who want a lakeside address and a known carrying cost.

Lake Eloise settingNew constructionHOA and CDD community

Live Market Pulse

50/100
Momentum

Buyer-Leaning Market (limited data)

This is a newer, still-building community, so the honest read is the builder, the floor plan and lot, the HOA plus the CDD assessment, and the amenity timeline, not a long resale record. Confirm dues, the CDD line on the tax bill, and the lot per address before you offer.

Free · No obligation

Unlock Off-Market Harmony on 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

0mo

Supply

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Avg DOM

Soft

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 on Lake Eloise is a newer master-planned single-residential community in Winter Haven, so the read is a new-construction read: the value drivers are the builder and floor plan, the specific lot and its position, the HOA dues plus the Community Development District assessment that funds the infrastructure, and the amenity center and lakefront features as they are delivered. The Harmony on Lake Eloise CDD was established in 2021 by the City of Winter Haven over roughly 354 acres, which means buyers here carry a CDD assessment on the annual tax bill on top of HOA dues, and that combined number is the real monthly math. As a still-building community the resale comps are thin and the early years are set against the builder still selling new inventory, so your leverage is reading the lot, the plan, and the full carrying cost honestly rather than chasing a model-home feel. The Lake Eloise setting and the Chain of Lakes access are the draw; confirm the boat-slip and lake-access rules, the flood read for lakeside lots, and the CDD payoff or term before you fall for the amenity board."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Harmony on Lake Eloise is a newer master-planned single-residential community in Winter Haven, Polk County, generally located along West Lake Eloise Drive south of Shell Road on the west side of Lake Eloise (Harmony on Lake Eloise CDD records, 2021; builder community pages, 2026). The community sits within the City of Winter Haven and is marketed for its lakeside setting and access to the Winter Haven Chain of Lakes.

The community is built out by national and regional builders, with D.R. Horton and Casa Fresca Homes both offering new construction here (builder community pages, 2026). Plans run from single-story to two-story homes, generally three to five bedrooms with two to three-car garages and a range of sizes; confirm the exact plan, bedroom count, square footage, and lot for any specific home, since builder offerings and phases change over time.

Because this is a newer, still-building community, the money is made or lost on the builder and plan, the specific lot, and the carrying cost, not on a long resale record. The Harmony on Lake Eloise Community Development District was established by the City of Winter Haven in 2021 over roughly 354 acres, so buyers here typically carry a CDD assessment on the annual tax bill in addition to HOA dues. Read both lines, and confirm the CDD term and any payoff option, before you price the home.

The pitch is a lakeside lifestyle with a community amenity center and Lake Eloise access, with Legoland Florida, the Chain of Lakes, and central Winter Haven shopping and dining nearby and the Orlando area a manageable drive. The work is the diligence: confirm the HOA and CDD numbers, read the lot and any lakeside flood exposure, and verify which amenities and lake features are built and which are still planned.

Quick Match

Who Harmony on Lake Eloise is best for.

Best for

Buyers who want a newer single-family home near Lake Eloise in Winter Haven
Buyers who value new construction and builder warranties over an older home
Buyers drawn to the Chain of Lakes lifestyle and a community amenity center
Buyers who will read the HOA dues and the CDD assessment together as the real cost

Probably not for

Buyers who want an established neighborhood with a long resale track record
Anyone unwilling to verify the HOA and CDD lines and the lot per address
Buyers who want a large-acreage or fully custom home rather than a builder plan
Buyers uncomfortable with carrying a CDD assessment on the tax bill

Market Pulse

How Harmony on 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 on 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 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

For sale0

Pending0

Sold 12mo0

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

Interactive Map

Harmony on 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 on Lake Eloise is a newer master-planned single-residential community rather than an established neighborhood, so the lifestyle is new-construction lakeside living in Winter Haven. Marketing describes a community amenity center, a pool, fitness and event space, walking and nature trails, a playground, and Lake Eloise access with private boat slips connecting to the Winter Haven Chain of Lakes. As a still-building community, amenities and lake features may be delivered in phases, so confirm what is built today and what is planned, along with the HOA and CDD rules, with the community before you buy.

Nearby & Commute

How far is everything?

The takeaway

Harmony on Lake Eloise trades an established address for a newer lakeside setting, with Lake Eloise and the Chain of Lakes close, Legoland and central Winter Haven nearby, and the Orlando area a manageable drive.

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

Lake Eloise and the Chain of Lakes~1 to 5 min · at the door

Legoland Florida Resort~10 to 15 min · off Cypress Gardens Blvd

Central Winter Haven shopping and dining~10 to 15 min · everyday needs

Eagle Ridge Mall and US 27~15 to 20 min · retail corridor

Bartow and US 17~15 to 25 min · county seat

Lakeland and I-4~30 to 40 min · regional hub

Orlando and Disney area~45 to 60 min · via US 27 and I-4

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 onLake 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 on 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 on 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 on Lake Eloise address.

The takeaway

What is actually shaping value at Harmony on Lake Eloise: the Community Development District that funds and assesses the community, the continued build-out by national and regional builders, and Winter Haven growth around Lake Eloise and the Chain of Lakes. Each item is sourced or evergreen.

Recent Developments in Harmony on Lake Eloise

Development Intelligence

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

Net OutlookBullishContinued build-out and a lakeside setting support demand, with the watch items being the CDD assessment and term, the pace of amenity delivery, and how early resales price against remaining new inventory.

Harmony on Lake Eloise CDD established by the City of Winter Haven

2021

NeutralMajor impact

SignificanceRadius: Community

The CDD funds community infrastructure and assesses homes on the tax bill, so the assessment and term are core diligence beyond the HOA dues.

Build-out by national and regional builders

Ongoing

NeutralNotable impact

SignificanceRadius: Community

Active builder inventory means early resales compete with new homes, so price the lot, plan, and condition against what the builders still offer.

Lake Eloise and Chain of Lakes setting

Ongoing

BullishNotable impact

SignificanceRadius: Area

Lakeside access and the Winter Haven Chain of Lakes underpin the lifestyle draw that supports demand for the community.

Lakeside flood and elevation exposure

Ongoing

NeutralNotable impact

SignificanceRadius: Community

Lots near Lake Eloise can carry flood exposure, making the FEMA zone, elevation, and insurance quote critical per address.

Amenity center and lake features delivered in phases

Ongoing

NeutralMinor impact

SignificanceRadius: Community

In a still-building community some amenities and boat-slip features may be phased, so confirm what is built today versus planned.

Winter Haven and Legoland-area growth

Ongoing

BullishNotable impact

SignificanceRadius: Area

Proximity to Legoland Florida, central Winter Haven, and Polk County job growth supports demand along the Lake Eloise corridor.

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 Harmony on Lake Eloise, 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 ↓

September 2021
Government
City of Winter Haven establishes the Harmony on Lake Eloise CDD
The City of Winter Haven established the Harmony on Lake Eloise Community Development District in 2021 over roughly 354 acres on the west side of Lake Eloise, creating a special-purpose district to fund and maintain community infrastructure. Why it matters: The CDD funds roads, utilities, and stormwater and assesses homes on the annual tax bill, so the assessment and its term are essential diligence on top of HOA dues. Source
August 2024
Development
Winter Haven approves final plat and performance bond for a Lake Eloise Drive phase
Winter Haven approved final plat approval and a subdivision performance bond for a phase of land west of West Lake Eloise Drive, part of the continued build-out of the Harmony on Lake Eloise area. Why it matters: Continued platting and bonding signal ongoing build-out, which keeps new inventory in the market against which early resales are priced. 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 Harmony on Lake Eloise buying strategy.

If we were buying in Harmony on Lake Eloise, this is the order of operations we would run, and the one we run for our clients.

Add up the HOA dues and the CDD assessment. The HOA fee is only part of the cost; the Community Development District assessment on the tax bill is the other half, so confirm both and the CDD term before you offer.

Read the lot, not just the floor plan. In a master-planned community the lot position, the orientation, and any lake or water proximity set the price between two identical plans, so pick the lot deliberately.

Confirm what is built versus still planned. In a newer community the amenity center, the boat slips, and the lakefront features may be phased, so verify what is delivered today and what is a rendering.

Check the lakeside flood and elevation read. On lots near Lake Eloise, confirm the FEMA flood zone, the elevation, and any insurance requirement for the specific address.

Cross-shop other Winter Haven new builds on the neighborhoods map if a different builder, lot, or carrying cost fits your number better.

The Quick Decision

Best Buy

A well-located lot with a plan that fits, where the full HOA and CDD cost is clear

Biggest Risk

Underestimating the CDD assessment and the carrying cost beyond the HOA dues

Best Lot

A lot with good orientation and a documented flood read, lake proximity confirmed

Smart Timing

Confirm the HOA, the CDD line, and the amenity status 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

Harmony on Lake Eloise Homes For Sale

What your money buys in Harmony on Lake Eloise.

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 Harmony on Lake Eloise 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

A smaller single-story plan on a standard interior lot, the affordable way into the community, where lot and condition drive value.

Lowest entry

The Core Home

A mid-size single or two-story plan on a good lot, the heart of the community resale market with the amenity center nearby.

Most inventory

The Top

A larger plan on a premium or lake-proximate lot with the best position and updates, the homes that hold value best in the community.

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 ~$900K buys here.

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

The Entry Home

A smaller single-story plan on a standard interior lot, the affordable way into the community, where lot and condition drive value.

The Core Home

A mid-size single or two-story plan on a good lot, the heart of the community resale market with the amenity center nearby.

The Top

A larger plan on a premium or lake-proximate lot with the best position and updates, the homes that hold value best in the community.

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 Harmony on Lake Eloise, condition, lot, and the renovation math, read from current listings and recent sales.

15-Second Take

Renovation math decides the deal
Golf and lake lots 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 Harmony on Lake Eloise 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 golf, lake, and preserve frontage, 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 Harmony on Lake Eloise holds value.

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

Construction ageNew construction, builder warranties apply

CDD and HOA carrying costConfirm CDD assessment plus HOA dues

Flood and insurance exposureLakeside lots, verify zone and elevation

Location and lake accessLake Eloise and Chain of Lakes nearby

Lot and amenity statusConfirm lot and which amenities are built

Momentum analysis based on the no-CDD structure, central location, built-out lot scarcity, the funded club plan, and the all-resale 1990s housing stock. Not a guarantee of future value.

Operator Note

The strongest value pocket is usually a renovated golf or lake home priced just under the next tier up. Buyers chasing the single biggest estate often pay estate prices for what is really a renovation project.

5 Mistakes Buyers Make in Harmony on Lake Eloise

15-Second Take

Calling the listing agent (who works for the seller)
Misjudging the renovation budget
Overpaying for an interior lot
Ignoring the optional club cost
Skipping the roof, HVAC, and systems check

In an all-resale, seven-figure, renovation-driven market, the same five mistakes cost buyers the most. 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

Golf frontage, lakefront, and preserve lots carry real, durable premiums. Pay an estate price for an interior lot and you are buying the weakest version of the value.

Ignoring the club decision

The club is optional and separate, so two similar homes can cost very differently to own. Buyers who do not price the membership they will actually use misread their real monthly number.

Skipping the systems check

A 1990s home means 1990s-era 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.

“

Harmony on Lake Eloise is a newer, still-building community, not a settled resale market. The deal is won or lost on the builder and plan, the lot, and the HOA plus CDD carrying cost.

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.

7.3B · Buy Score

Resale Strength7.0/10

Renovation Risk3.0/10

Location Efficiency7.8/10

Long-Term Defensibility7.0/10

Carrying Cost Advantage5.8/10

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 Harmony on Lake Eloise 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 master plan, the lot sets value between identical plans
Lake-proximate and well-oriented lots hold value best
Confirm the FEMA flood zone and elevation on lakeside lots
Read the CDD assessment before you read the finishes
Verify which amenities and lake features are built today

In a newer master-planned community, the part of your money the market protects is the lot, its position and orientation, and any lake proximity, plus the carrying cost behind the home. A well-located lot in a community with delivered amenities and a clear CDD term holds value better than a marginal lot bought to a builder base price. The interior can be updated; the lot, the orientation, and the lakeside flood picture cannot. Read the CDD assessment, the HOA, the flood zone, and the amenity status first, then price the plan and condition against them.

The 15-Second Verdict

Harmony on Lake Eloise in 15 seconds.

Best forBuyers who want a newer single-family home near Lake Eloise in Winter Haven.

Biggest advantageA lakeside master-planned setting with new construction and an amenity center.

Biggest riskThe CDD assessment plus HOA dues and thin early resale comps.

Sweet spotA well-located lot with a fitting plan where the full carrying cost is clear.

Avoid ifYou want an established neighborhood or a large-acreage custom home.

HOA Dues, the CDD Assessment & What They Cover

15-Second Take

Add the HOA dues and the CDD assessment together
Confirm the CDD term and any payoff option per address
Ask which amenities and lake features are built today
Confirm flood zone and insurance on lakeside lots
Verify the dues and assessment from current documents

This is a master-planned community with a homeowners association, so a regular HOA fee applies and typically covers common-area maintenance, the amenity center, and community landscaping. On top of the HOA, the Harmony on Lake Eloise Community Development District funds the community infrastructure, so most homes also carry a CDD assessment on the annual property tax bill. The HOA dues alone do not tell the story; confirm the current HOA fee, the CDD assessment amount, and the CDD term and any payoff option per address before you offer.

HOA fees in a community like this generally cover the shared amenities such as the pool and amenity center, common-area landscaping, and community upkeep, while the CDD assessment repays the bonds that funded roads, utilities, and stormwater plus ongoing operations and maintenance. Owners still carry their own homeowner and, on lakeside lots, should confirm any flood coverage. Verify exactly what the HOA covers, what the CDD assessment funds, and what each owner must insure separately.

Run Your Numbers

Tools for a Harmony on Lake Eloise 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 Harmony on Lake Eloise.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 Harmony on Lake Eloise

Price to the lot, the plan, and the full carrying cost, not a builder base price.

Selling here means pricing to your specific lot, your floor plan and its condition, and the real carrying cost including the CDD, not a builder base number or a portal average. The lot position, the plan, the updates, and how your resale compares to remaining new inventory are what set your number.

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 Harmony on Lake Eloise, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Winter Haven new builds, 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 Harmony on Lake Eloise home worth?

Get a no-obligation home value based on real comparable sales in Harmony on Lake Eloise 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 Harmony on Lake Eloise on the map →
Or get your Harmony on Lake Eloise 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 Osceola County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$1,987/mo

Osceola County typical true cost to own

$145/mo

Osceola County typical home insurance

Has a CDD

Bond assessment on top of taxes

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

Harmony on Lake Eloise Market Scorecard

Thin data

Harmony on Lake Eloise is currently a thin data. Limited supply, a median asking price of n/a.

n/a

Months supply

n/a

Median list

n/a

Median sold

n/a

Per sqft

n/a

Days on mkt

0/0/0

Active/Pend/Sold

Go deeper: 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 Harmony on Lake Eloise?

It is a newer master-planned single-residential community in Winter Haven, Polk County, generally along West Lake Eloise Drive south of Shell Road on the west side of Lake Eloise, in ZIP 33884. Some older records cite 33880, so confirm the exact ZIP and address on any listing.

Is this the same as Harmony at Lake Eloise?

Yes, the community is marketed under closely related names including Harmony at Lake Eloise. Confirm the exact subdivision name and address on any listing, since builders and records use slightly different spellings.

Who builds homes in the community?

New construction here has been offered by national and regional builders including D.R. Horton and Casa Fresca Homes (builder community pages, 2026). Builder participation and phases change over time, so confirm which builder and plan apply to a specific home.

Is there a CDD here?

Yes. The Harmony on Lake Eloise Community Development District was established by the City of Winter Haven in 2021 over roughly 354 acres (CDD records). Most homes carry a CDD assessment on the annual tax bill in addition to HOA dues, so confirm the amount, the term, and any payoff option per address.

What does the HOA fee cover?

It typically covers common-area maintenance, the community amenity center and pool, and community landscaping. The HOA is separate from the CDD assessment. Confirm the current HOA fee and exactly what it covers from the community documents.

What amenities does the community have?

Marketing describes a community amenity center, a pool, fitness and event space, walking and nature trails, a playground, and Lake Eloise access with private boat slips. In a newer community some features may be phased, so confirm which amenities are built today before you buy.

What home types and sizes are available?

Plans generally run single-story to two-story, three to five bedrooms, with two to three-car garages and a range of sizes (builder community pages, 2026). Confirm the exact plan, bedroom count, square footage, and lot for any specific home.

Can I access Lake Eloise from the community?

Marketing cites Lake Eloise access and private boat slips connecting to the Winter Haven Chain of Lakes. Lake-access and boat-slip rights and rules vary, so confirm exactly what access a specific home includes and any associated rules or fees.

Should I worry about flooding on lakeside lots?

Lots near Lake Eloise can carry flood exposure, so always check the FEMA flood zone, the elevation, and any insurance requirement for the specific address, and get a quote before you buy.

What schools serve the community?

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 address, and note that magnet and choice options may apply.

What is nearby?

Legoland Florida, the Winter Haven Chain of Lakes, central Winter Haven shopping and dining, and US 17 and SR 540 corridors are close, with the Orlando area a manageable drive. Confirm real drive times for your routine.

Is Harmony on Lake Eloise a good investment?

A lakeside setting and new construction support demand, but this is a newer, still-building community, so the builder inventory, the CDD assessment, and the carrying cost drive the outcome. This is not a guarantee of future value; read the documents and the math.

How does it compare to other Winter Haven new builds?

Other new communities around Winter Haven offer different builders, lot sizes, and carrying costs, some with a CDD and some without. Which is the better buy depends on your budget, the lot, the amenity package, and your tolerance for a CDD assessment.

What is the carrying cost beyond the mortgage?

Plan for the HOA dues plus the CDD assessment on the tax bill, homeowner insurance, and any flood insurance on lakeside lots. Confirm each line per address, since the CDD assessment in particular can change the real monthly number.

Who is the best real estate agent for Harmony on Lake Eloise?

The best agent for Harmony on Lake Eloise 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 Harmony on Lake Eloise.

How do I find a top Winter Haven real estate agent who knows Harmony on Lake Eloise?

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 Harmony on Lake Eloise and the wider Winter Haven area.

Can Momentum Realty connect me with an agent for Harmony on Lake Eloise?

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

The Verdict

Should you buy in Harmony on Lake Eloise?

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

Buyers who want a newer single-family home near Lake Eloise in Winter HavenExcellent fit

Buyers who value new construction and builder warranties over an older homeExcellent fit

Buyers drawn to the Chain of Lakes lifestyle and a community amenity centerExcellent fit

Buyers who will read the HOA dues and the CDD assessment togetherExcellent fit

Buyers who want a known carrying cost and a deliberate lot choiceExcellent fit

Buyers who want an established neighborhood with a long resale recordProbably not

Anyone unwilling to verify the HOA and CDD lines and the lot per addressProbably not

Buyers who want a large-acreage or fully custom homeProbably not

Buyers uncomfortable carrying a CDD assessment on the tax billProbably not

Buyers who need every amenity and lake feature delivered todayProbably not

Get the inside read on Harmony on Lake Eloise

Whether you are buying a renovation project, comparing the lots and views, weighing the optional club, or selling your Harmony on Lake Eloise 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 Harmony on Lake Eloise specialist will reach out personally, usually the same day.

Thinking about hiring an agent here? How to find the best real estate agent in Harmony on Lake Eloise — 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.

Harmony onLake Eloise Homes for Sale in Winter Haven, FL

The 60-Second Overview

Who Harmony on Lake Eloise is best for.

Best for

Probably not for

How Harmony on Lake Eloise is performing right now

Harmony on Lake Eloise on the map.

The Club & Membership

How far is everything?

Nearby Communities

Schools

Polk County Public Schools (verify by address)

Confirm zoned elementary, middle, and high

Magnet and choice options may apply

Recent Developments in Harmony on Lake Eloise

Harmony on Lake Eloise CDD established by the City of Winter Haven

Build-out by national and regional builders

Lake Eloise and Chain of Lakes setting

Lakeside flood and elevation exposure

Amenity center and lake features delivered in phases

Winter Haven and Legoland-area growth

City of Winter Haven establishes the Harmony on Lake Eloise CDD

Winter Haven approves final plat and performance bond for a Lake Eloise Drive phase

The Harmony on Lake Eloise buying strategy.

The full read, only if you want it.

What your money buys in Harmony on Lake Eloise.

What ~$900K buys here.

Renovation & Resale Intelligence

The renovation premium.

The lot premium.

How well Harmony on Lake Eloise holds value.

5 Mistakes Buyers Make in Harmony on Lake Eloise

Calling the listing agent

Misjudging the renovation math

Overpaying for an interior lot

Ignoring the club decision

Skipping the systems check

Momentum Buy Score.

Why our read on Harmony on Lake Eloise is different.

Which Lots & Views Hold Value Best

Harmony on Lake Eloise in 15 seconds.

HOA Dues, the CDD Assessment & What They Cover

Tools for a Harmony on Lake Eloise buy.

Price to the lot, the plan, and the full carrying cost, not a builder base price.

In Harmony on Lake Eloise, condition and view decide your number

What is your Harmony on Lake Eloise home worth?

Price History: What Homes Here Have Actually Sold For

The real cost & risk here

Harmony on Lake Eloise Market Scorecard

Frequently Asked Questions

Should you buy in Harmony on Lake Eloise?

Get the inside read on Harmony on Lake Eloise

You are all set.

Need to sell fast in Polk County?

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

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