Hart Lake Cove
Homes for Sale in Winter Haven, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
As of November 2026, Hart Lake Cove Winter Haven in FL has 1 home for sale. Hart Lake Cove Winter Haven is a community in FL.
Hart Lake Cove right now
🟢 Still climbing. The trailing-12-month median ($410K) is up 12.9% from the prior 12 months ($363K). With about 3 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending August 2. Confidence: Low (3 and 3 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 14, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Nearby homes for sale
No active listings inside HART LAKE COVE PH 01 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
Hart Lake Cove market snapshot (as of August 2, 2026): the median sale price is about $410K ($111 per sq ft over the trailing 12 months of closed sales), and a median 86 days on market for closed sales. The trailing-12-month median is up 13% from the prior 12 months, computed from record-level Stellar MLS closed sales (3 closings in the current window).
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.
Hart Lake Cove is a community of 10 homes in Winter Haven, Polk County, built between 2006 and 2006 (median 2006), with a median living area of about 3,537 square feet. 70% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
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 ($410K) IS the median in the snapshot above, and the move from 2025 ($363K) IS the +12.9% one-year change.
Windows contain 0 to 6 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 2014 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.
21% 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 (2026-11-10).
Hart Lake Cove Market Scorecard
Hart Lake Cove is currently a balanced market., and homes go under contract in about 0 days.
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.
Homes For Sale Right Now in Hart Lake Cove
Live MLS inventory for Hart Lake Cove. 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.
Active and pending Hart Lake Cove listings as of 2026-11-05, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026. Tap any home to ask about it.
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 Hart Lake 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 Hart Lake Cove address.
Recent Developments in Hart Lake Cove
Development, infrastructure, retail, and school activity affecting Hart Lake Cove, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Schools
County commission and School Board begin updating growth and school capacity agreement
At a joint Oct. 29 meeting at the Lake Myrtle Sports Complex, both boards agreed to advance updates to their interlocal agreement on school planning. Topics included reducing portable classrooms, concurrency service areas and workforce housing options. Superintendent Fred Heid called the current agreement outdated.
What it may mean for the marketUpdated coordination between growth approvals and school capacity could shape where new school space is added and how new housing is phased across the county. The site is about 13 miles northwest of Hart Lake Cove.
Source: Polk County Government - October 2026Infrastructure
Sheffield Road to reopen early as next construction phase closes Old Bartow Eagle Lake Road
Sheffield Road west of Spirit Lake Road was set to reopen Oct. 19, over a month ahead of schedule. Phase 3 closes Old Bartow Eagle Lake Road between Spirit Lake Road and Spirit Landings Boulevard from Oct. 18 until about Jan. 11, 2027. Detours use Crystal Beach, Thornhill and Spirit Lake roads.
What it may mean for the marketCommuters in northeast Winter Haven regain Sheffield Road now but face a detour on Old Bartow Eagle Lake Road through early January. The project is about 7 miles north of Hart Lake Cove, elsewhere in Polk County.
Source: Polk County Government - 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 9 miles south of Hart Lake 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 6 miles southeast of Hart Lake Cove, elsewhere in Polk County.
Source: DailyRidge - 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 6 miles northwest of Hart Lake 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 Hart Lake Cove buying strategy.
If we were buying in Hart Lake 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 Hart Lake Cove.
A closer look at the Hart Lake Cove market
At a median of $111 per square foot, Hart Lake Cove prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
The trailing-12-month median up 13% year over year. Homes that do trade take a median 86 days on market, useful leverage on any listing that has lingered.
The housing stock is 10 homes built around 2006, and 70% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Hart Lake Cove. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Hart Lake Cove buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (8.5). Basis: Recent Direction +12.9% year-over-year; Owner Commitment 70% owner-occupied; Pricing Power 98.9% sale-to-list. Refreshed with each data update.
Tools for a Hart Lake 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 Hart Lake Cove sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Hart Lake 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 Hart Lake Cove home worth?
Get a no-obligation home value based on real comparable sales in Hart Lake 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 →
Recently off market in Hart Lake Cove Winter Haven
Homes in Hart Lake Cove Winter Haven that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.
- 165 Fish Hawk Drive · off market
| Location | FL |
|---|---|
| Amenities listed by sellers | None |
| For sale right now | 1 active, 0 pending · median asking $210,000 |
| 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 November 6, 2026. Based on Stellar MLS data distributed by MLS GRID. Market figures describe homes, not residents. Cite as: Momentum Realty, “Hart Lake Cove key facts,” movewithmomentum.com/neighborhoods/hart-lake-cove-winter-haven, data as of November 6, 2026.
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
- Cheapest places to live in Florida
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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.
- Fish Hawk Drive (21 homes on record)
- Fish Hawk Drive (20 homes on record)
- Fish Hawk Drive (15 homes on record)
- Fish Hawk Drive (8 homes on record)
- Fish Hawk Drive (3 homes on record)
- Fish Hawk Drive (1 homes on record)
- Fish Hawk Drive (1 homes on record)
Email me new listings in Hart Lake 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 Hart Lake Cove
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Hart Lake 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 Hart Lake Cove?
How long do homes in Hart Lake Cove take to sell?
How many homes are in Hart Lake Cove?
What share of Hart Lake Cove is owner-occupied?
When were the homes in Hart Lake Cove built?
Do cash buyers compete in Hart Lake Cove?
What schools serve Hart Lake Cove?
Who is the best real estate agent for Hart Lake Cove?
How do I find a top Winter Haven real estate agent who knows Hart Lake Cove?
Can Momentum Realty connect me with an agent for Hart Lake Cove?
Where is Hart Lake Cove, and what county is it in?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: November 5, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending August 2, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (community parcel extract) |
| 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 2014 (38 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.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. A Momentum agent can price yours against live local comps.
Looking to buy here? Search homes for sale →
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See how HART LAKE COVE PH 01 fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Hart Lake Cove
- Home values · What homes in Hart Lake Cove actually sell for