4040 Palma Ceia CircleWinter Haven, FL 33884Price: $749,000

  • Price: $749,000
  • Est. Mortgage of $/month
  • 1 Day on Market
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$
%
$/month over payments
Federal 30-year interest rate: 6.66% last updated on Jul 30, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.
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4040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 338844040 Palma Ceia Circle Winter Haven FL 33884
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  • 3Bedrooms
  • 0.3Acreage
  • 4Bathrooms
  • 2005Year Built
Meticulously maintained and beautifully remodeled, this exceptional Palma Ceia residence in Cypresswood offers pond frontage, three private en-suite bedrooms, a dedicated office, a heated swimming pool, and incredible golf course views. The pavered driveway and walkways, manicured flower gardens, and a 2022 black metal roof set the stage for the impressive interior. Elevated ceilings, crown molding, waterproof Pergo flooring, stone counters, and plantation shutters are just a few of the home’s stunning features. At the heart of the home is a spacious great room featuring a natural gas fireplace with shiplap faade. Triple sliding glass doors, with new screens, create a seamless indoor-outdoor flow to the covered lanai and pool area while showcasing the outdoor views. The updated kitchen features quartz counters, an island with a prep sink and filtered water, a Kohler workstation sink, breakfast bar, stainless appliances, double ovens, gas range, Bosch dishwasher, and a spacious dinette overlooking the pool. A private office provides the perfect setting for working from home. Designed to give everyone their own space, the home offers three bedrooms with en-suite bathrooms. The primary suite includes pool access, a tray ceiling, two walk-in closets with built-in shelving, and a gorgeous remodeled bathroom featuring a six-foot freestanding soaking tub, glass-enclosed walk-in shower, dual vanities, and a water closet. The second bedroom includes an equally impressive en-suite bath with custom tile flooring, a granite counter, tub, and separate walk-in shower. Located at the rear of the home, the third en-suite bedroom is ideal for visiting guests and can be closed off with a pocket door for added privacy. Its bathroom offers a granite counter with dual sinks, a tub and shower combo, and a linen closet. An additional linen closet is located in the guest-wing hallway. The interior laundry room provides a closet pantry, storage closet, and convenient half bathroom. Florida living takes center stage outdoors with a screen-enclosed heated pool, expansive covered lanai, and a separate screened area for sunning. The peaceful setting overlooks the pond and third hole of the golf course, where a variety of birds and wildlife can be enjoyed daily. Meticulously designed gardens, window planter boxes and a pavered sitting area near the pondideal for a fire pitcomplete this private outdoor oasis. The two-car garage features an epoxy floor, utility sink, storage closets, and overhead storage racks. Additional improvements and features include a 2026 installed gas water heater, a 26-gauge standing seam metal roof (2022) with a 40-year warranty, dual-zone air conditioning (2020), irrigation on separate meter, plantation shutters throughout, remote-controlled lanai lighting, pool safety fence, Ring cameras, rain gutters, and more. Located within the guarded Cypresswood community, this remarkable home combines thoughtful updates, exceptional care, abundant privacy, and a truly beautiful golf course and waterfront setting. Cypresswood Golf & Country Club features an 18-hole championship golf course, driving range, pro shop, jr. olympic pool, tennis & pickleball courts, an event venue, a sports pub and more. Located just minutes from shopping, medical facilities and downtown Winter Haven. Centrally located between Tampa and Orlando with easy commutes to airports and beaches. Come see what this magnificent home and community in Central FL has to offer!
Listing Courtesy of THE STONES REAL ESTATE FIRM

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More Info

Location Information

  • Road Frontage DescriptionAsphalt

School Information

  • Elementary SchoolElbert Elem
  • High SchoolWinter Haven Senior
  • Junior HighDenison Middle

Parking

  • Parking Features Driveway, Garage Door Opener

Basic Information

  • Property SubTypeSingle Family Residence
  • Property TypeResidential

Building

  • Bathroom4
  • Construction Materials Block, Stucco
  • FireplaceFamily Room, Gas
  • Fireplace YN Yes
  • Foundation Details Slab
  • GarageYes
  • Garage Spaces2
  • Levels One
  • Patio And Porch Features Covered, Patio, Rear Porch, Screened
  • Property StyleCustom
  • RoofMetal
  • Rooms13
  • Window Features Drapes, Shutters, Window Treatments
  • Year Built2005

Water Body

  • MFR Water Access YN Yes
  • MFR Water Frontage Feet Pond 100
  • MFR Waterfront Feet Total 100
  • Pool Private YN Yes
  • Water AccessPond
  • Water FeaturesPond
  • Water ViewYes
  • WaterfrontYes

Basic Information

  • List Price$749,000
  • ListingContractDate2026-07-30
  • MLS NumberL4963754
  • Mls Status Active
  • OriginalListPrice749000
  • PostalCodePlus41239
  • PublicSurveyRange27
  • StatusACT

Rooms

  • Bedrooms3
  • Full Bath3
  • Half Baths1
  • MFR Additional Rooms Attic, Den/Library/Office, Great Room, Inside Utility

Interior

  • Flooring Laminate, Tile
  • Furnished Unfurnished

Utilities

  • Cooling Central Air
  • Heating Central
  • Laundry Features Inside, Laundry Room
  • Sewer Public Sewer
  • Utilities
    • BB/HS Internet Available
    • Cable Available
    • Electricity Connected
    • Natural Gas Connected
    • Public
    • Sewer Connected
    • Sprinkler Meter
    • Water Connected
  • Water Source Public

Amenities

  • Appliances IncludedBuilt-In Oven, Cooktop, Dishwasher, Disposal, Gas Water Heater, Microwave, Refrigerator, Water Filtration System
  • Association Amenities
    • Clubhouse
    • Fitness Center
    • Gated
    • Golf Course
    • Pickleball Court(s)
    • Pool
    • Recreation Facilities
    • Security
    • Tennis Court(s)
  • Association Fee Includes Guard - 24 Hour, Pool, Private Road, Recreational Facilities
  • Association YN Yes
  • Community Features
    • Clubhouse
    • Deed Restrictions
    • Fitness Center
    • Gated Community - Guard
    • Golf
    • Golf Carts OK
    • Pool
    • Restaurant
    • Tennis Court(s)
  • MFR Number Of Pets 3
  • MFR Pet Restrictions 3 household pets allowed. No livestock or commercial breeding.
  • Other Amenities
    • Fireplace
    • Garden
    • Golf
    • Pool
    • Tennis
    • Water View
    • Waterfront
  • Other Equipment Irrigation Equipment
  • PetsCats OK, Dogs OK, Number Limit, Yes
  • Pool Features Child Safety Fence, Gunite, Heated, In Ground, Screen Enclosure
  • Security Features Gated Community

Tax Information

  • Association Fee $1,825
  • Association Fee Frequency Annually
  • Fees$1,825
  • MFR Association Fee Requirement Required
  • Monthly HOA Amount $152
  • Tax Year 2025
  • Taxes$5,510
  • Total Monthly Fees $152

Location

  • Address4040 Palma Ceia Circle
  • AreaWinter Haven / Cypress Gardens
  • CountyPolk
  • Exterior Features Lighting, Private Mailbox, Rain Gutters, Sliding Doors
  • MFR Water View Pond
  • StateFL
  • SubdivisionCypresswood Palma Ceia
  • TownWinter Haven
  • Township 28
  • Zip33884

Property Information

  • Acreage0.3
  • Attached Garage YN Yes
  • Building Area Total 3,241
  • BuildingAreaUnitsSquare Feet
  • LivingAreaUnitsSquare Feet
  • Lot DescriptionCity Limits, Landscaped, On Golf Course, Paved, Private
  • Lot Size Dimensions 129x100
  • Lot Size Square Feet 12,907
  • MFR Garage Dimensions 19x21
  • MFR Living Area Meters 231
  • MFR Lot Size Square Meters 1199
  • MFR Total Acreage 1/4 to less than 1/2
  • Square Feet2,493

Other

  • Building Area Source Public Records
  • Date Listed07/30/2026
  • MFR Additional Lease Restrictions 12 month minimum lease. NO short term rentals allowed. Community HOA Bylaws require each owner to perform a criminal background check on each tenant and background guidelines, as stated in the bylaws, must be adhered to.
  • MFR Exist Lse Tenant YN No
  • MFR Flood Zone Code X
  • MFR Flood Zone Date 2016-12-22
  • MFR Minimum Lease 1-2 Years
  • Status Change Timestamp2026-07-30T12:25:44
  • Vegetation Mature Landscaping, Trees/Landscaped
  • View Pool, Water
Fusilier Realty Group
Fusilier Realty Group
Office: 407-281-8455
10016 Wellness Way
Orlando, FL 32832

Listings courtesy of StellarMLS as distributed by MLS GRID. Based on information submitted to the MLS GRID as of July 31, 2026 7:32 AM UTC. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. IDX information is provided exclusively for consumers’ personal noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed by MLS GRID. The use of the MLS GRID Data may be subject to an end user license agreement.

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