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

Master-planned new construction · Polk County · ZIP 33884

A master-planned lakefront community on the shores of Lake Eloise in Winter Haven, the new-construction read for buyers weighing builders, CDD costs, and the water.

Lake Eloise waterfrontNew-construction master planCDD community

Live Market Pulse

50/100
Momentum

Buyer-Leaning Market (limited data)

This is an active, multi-builder master plan, so the honest read is the builder, the floor plan, the CDD assessment, and the lot, not a single townwide average. Confirm the builder, the plan, the assessments, and the homesite details per address before you buy.

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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 on Lake Eloise is a master-planned community, not a single subdivision, so the read is a new-construction read: an active build-out on roughly 354 acres along Lake Eloise in Winter Haven where the value drivers are which builder and floor plan you choose, the homesite and its position relative to the water and amenities, and the CDD assessment that rides on the tax bill, not a single neighborhood average. Land here was acquired by the Forestar Group, the land arm associated with D.R. Horton, and homes are being delivered by builders including D.R. Horton and Casa Fresca Homes, so plan quality and pricing vary by builder and phase. A Community Development District was established in 2021 to fund infrastructure, which means an annual CDD assessment on top of any HOA dues that has to be confirmed per parcel. Its Lake Eloise position and planned lakefront amenity are the draw and also the caveat: confirm the FEMA flood zone, any waterfront access, and the current amenity status for the exact homesite. Your leverage is reading the builder, the plan, the assessments, and the lot honestly before you fall for the model home."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Harmony on Lake Eloise is a master-planned community on roughly 354 acres along the west and south shores of Lake Eloise in Winter Haven, Polk County (Harmony on Lake Eloise CDD official site, 2026). It is an active new-construction build-out rather than a finished subdivision, with single-family homes and townhomes delivered across phases by more than one builder.

The land was acquired in late 2020 by the Forestar Group, the land-development company associated with D.R. Horton, and an approved planned unit development entitled the property for roughly 1,163 homes in a mix of single-family and townhome product, down from an earlier entitlement of about 1,500 units (Winter Haven Chamber of Commerce, 2021). Homes are being built by builders including D.R. Horton and Casa Fresca Homes, so the floor plans, sizes, and pricing vary by builder; listing guides cite single-story and two-story plans ranging from roughly 1,469 to 3,364 square feet (builder listings, 2026). Confirm the exact builder, plan, size, and price for any specific home.

Because this is a master plan funded by a Community Development District, the money is read on the builder, the homesite, and the assessments, not just the sticker. The Harmony on Lake Eloise CDD was established by the City of Winter Haven in 2021 to plan, acquire, and maintain community infrastructure, which means an annual CDD assessment typically appears on the tax bill in addition to any HOA dues (Harmony on Lake Eloise CDD official site, 2026). Confirm the current CDD assessment and HOA dues per parcel from the closing documents.

The pitch is a lakefront master plan on the Winter Haven Chain of Lakes: the community plan includes a clubhouse and amenity area oriented to Lake Eloise, with parks, ponds, trails, and preserved open space, and the Chain of Lakes, downtown Winter Haven, and LEGOLAND Florida Resort are all close (Winter Haven Chamber of Commerce, 2021). The work is the diligence: pick the builder and plan, read the CDD and HOA math, and confirm the homesite, the amenity status, and the flood zone before you buy.

Quick Match

Who Harmony on Lake Eloise is best for.

Best for

Buyers who want new construction with builder warranties near the water
Buyers drawn to the Winter Haven Chain of Lakes and a planned lakefront amenity
Buyers comparing builders and floor plans within one master plan
Buyers who will read the CDD assessment and HOA dues before they buy

Probably not for

Buyers who want an established resale neighborhood with mature trees
Anyone unwilling to verify the CDD assessment and HOA dues per parcel
Buyers who want to avoid any community assessment on the tax bill
Buyers who want a fully built-out community rather than an active build site

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-build communities 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 master-planned lakefront community rather than a finished subdivision, so the lifestyle is new-construction living on the Winter Haven Chain of Lakes. The community plan describes a clubhouse and amenity area on Lake Eloise with a pool, parks, ponds, walking and biking trails, preserved oak-lined pathways, and conservation open space, with marketing also citing planned private boat slips and a possible future commercial or lifestyle component. Amenities, access, and homesite features are delivered over phases and vary by builder and section, so confirm the current rules, the amenity status, and what each home includes with the builder and the association before you buy.

Nearby & Commute

How far is everything?

The takeaway

Harmony on Lake Eloise trades an established neighborhood for a lakefront master plan, with Lake Eloise, LEGOLAND, and downtown Winter Haven close and Lakeland and Orlando a manageable drive.

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

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

LEGOLAND Florida Resort~5 to 10 min · on Lake Eloise

Downtown Winter Haven~10 to 15 min · shops and dining

Winter Haven hospital and medical~10 to 15 min · AdventHealth area

US 17 and SR 540 corridors~5 to 10 min · main routes

Lakeland and the I-4 corridor~25 to 40 min · to the northwest

Orlando and the theme parks~45 to 60 min · via I-4

Distances and times are approximate and vary with traffic and the specific homesite. 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

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Choice

Magnet and choice options may apply

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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 Forestar and D.R. Horton land acquisition and master-plan entitlement, the Community Development District that funds the infrastructure, and the active multi-builder build-out on the Winter Haven Chain of Lakes. Each item is sourced.

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 OutlookBullishStrong builder backing and a lakefront amenity plan support demand, with the watch items being the CDD assessment load on the tax bill, the pace of the build-out, and the lakefront flood picture per homesite.