Pool Home Overlooking Pond & Golf Course - 4040 PALMA CEIA CIR, WINTER HAVEN
Paver Driveway & Lush Lawn - 4040 PALMA CEIA CIR, WINTER HAVEN
Screen-Enclosed & Heated Pool - 4040 PALMA CEIA CIR, WINTER HAVEN
Waterfront Living - 4040 PALMA CEIA CIR, WINTER HAVEN
Welcoming Foyer with Coat Closet - 4040 PALMA CEIA CIR, WINTER HAVEN
Spacious Great Room - 4040 PALMA CEIA CIR, WINTER HAVEN
Natural Gas Fireplace - 4040 PALMA CEIA CIR, WINTER HAVEN
Pool, Pond & Golf Course Views - 4040 PALMA CEIA CIR, WINTER HAVEN
Elevated Ceilings & Crown Throughout - 4040 PALMA CEIA CIR, WINTER HAVEN
Shiplap Facade - 4040 PALMA CEIA CIR, WINTER HAVEN
Gorgeous Pergo Flooring - 4040 PALMA CEIA CIR, WINTER HAVEN
Triple Sliders to Lanai - 4040 PALMA CEIA CIR, WINTER HAVEN
Renovated Kitchen - 4040 PALMA CEIA CIR, WINTER HAVEN
Island with Prep Sink - 4040 PALMA CEIA CIR, WINTER HAVEN
Quartz Counters - 4040 PALMA CEIA CIR, WINTER HAVEN
Ample Cabinetry - 4040 PALMA CEIA CIR, WINTER HAVEN
Double Ovens & Gas Cooktop - 4040 PALMA CEIA CIR, WINTER HAVEN
Kitchen Flows into Dinette - 4040 PALMA CEIA CIR, WINTER HAVEN
Breakfast Bar - 4040 PALMA CEIA CIR, WINTER HAVEN
Beautiful Custom Tile Backsplash - 4040 PALMA CEIA CIR, WINTER HAVEN
Great Space for Cooking - 4040 PALMA CEIA CIR, WINTER HAVEN
Dinette with Pool Access - 4040 PALMA CEIA CIR, WINTER HAVEN
Stunning Views - 4040 PALMA CEIA CIR, WINTER HAVEN
Plantation Shutters Throughout - 4040 PALMA CEIA CIR, WINTER HAVEN
Open & Spacious - 4040 PALMA CEIA CIR, WINTER HAVEN
Casual or Elegant Dining - 4040 PALMA CEIA CIR, WINTER HAVEN
Private Office - 4040 PALMA CEIA CIR, WINTER HAVEN
Great Space to Work from Home - 4040 PALMA CEIA CIR, WINTER HAVEN
French Doors to Office - 4040 PALMA CEIA CIR, WINTER HAVEN
Primary Suite - 4040 PALMA CEIA CIR, WINTER HAVEN
Primary Suite Pool Access - 4040 PALMA CEIA CIR, WINTER HAVEN
Primary Suite Views - 4040 PALMA CEIA CIR, WINTER HAVEN
Primary Suite Tray Ceiling with Crown - 4040 PALMA CEIA CIR, WINTER HAVEN
Primary Suite French Doors - 4040 PALMA CEIA CIR, WINTER HAVEN
Primary Suite with En-Suite Bath - 4040 PALMA CEIA CIR, WINTER HAVEN
2 Walk-In Closets with Built-In Shelving - 4040 PALMA CEIA CIR, WINTER HAVEN
Primary Suite Bathroom - 4040 PALMA CEIA CIR, WINTER HAVEN
Walk-in Shower & Soaking Tub - 4040 PALMA CEIA CIR, WINTER HAVEN
Dual Vanities - 4040 PALMA CEIA CIR, WINTER HAVEN
Great Natural Lighting - 4040 PALMA CEIA CIR, WINTER HAVEN
Private Water Closet - 4040 PALMA CEIA CIR, WINTER HAVEN
Freestanding Soaking Tub - 4040 PALMA CEIA CIR, WINTER HAVEN
Tile Flooring - 4040 PALMA CEIA CIR, WINTER HAVEN
Seamless Glass Walk-In Shower - 4040 PALMA CEIA CIR, WINTER HAVEN
Hallway to Guest Wing - 4040 PALMA CEIA CIR, WINTER HAVEN
Second Bedroom - 4040 PALMA CEIA CIR, WINTER HAVEN
Second Bedroom - 4040 PALMA CEIA CIR, WINTER HAVEN
Second Bedroom with En-Suite Bath - 4040 PALMA CEIA CIR, WINTER HAVEN
Second Bath with Granite Counter - 4040 PALMA CEIA CIR, WINTER HAVEN
Second Bath with Tub & Walk-In Shower - 4040 PALMA CEIA CIR, WINTER HAVEN
Second Bath Beautifully Renovated - 4040 PALMA CEIA CIR, WINTER HAVEN
Second Bath with Custom Tile Flooring - 4040 PALMA CEIA CIR, WINTER HAVEN
Second Bath Walk-In Shower & Tub - 4040 PALMA CEIA CIR, WINTER HAVEN
Third Bedroom Can Be Closed Off for Added Privacy - 4040 PALMA CEIA CIR, WINTER HAVEN
Third Bedroom - 4040 PALMA CEIA CIR, WINTER HAVEN
Third Bedroom in Rear of Home by Third Bathroom - 4040 PALMA CEIA CIR, WINTER HAVEN
Third Bathroom - 4040 PALMA CEIA CIR, WINTER HAVEN
Tub & Linen Closet - 4040 PALMA CEIA CIR, WINTER HAVEN
Third Bath Tub has Sliding Doors - 4040 PALMA CEIA CIR, WINTER HAVEN
Laundry Room & Powder Room - 4040 PALMA CEIA CIR, WINTER HAVEN
Kitchen Closet Pantry on Right & Door to Garage Straight Ahead - 4040 PALMA CEIA CIR, WINTER HAVEN
Washer & Dryer Connections - 4040 PALMA CEIA CIR, WINTER HAVEN
Powder Room with Storage Closet - 4040 PALMA CEIA CIR, WINTER HAVEN
Spotless Garage with Storage Closets & Hanging Racks - 4040 PALMA CEIA CIR, WINTER HAVEN
Epoxy Flooring, New Gas Water Heater & Wash Tub - 4040 PALMA CEIA CIR, WINTER HAVEN
Covered & Screened Lanai - 4040 PALMA CEIA CIR, WINTER HAVEN
Lanai Fans & String Lights on Remote - 4040 PALMA CEIA CIR, WINTER HAVEN
Heated Pool that Overlooks the Pond & Golf Course - 4040 PALMA CEIA CIR, WINTER HAVEN
Perfect Spot for Morning Coffee - 4040 PALMA CEIA CIR, WINTER HAVEN
Plenty of Decking for Lounging - 4040 PALMA CEIA CIR, WINTER HAVEN
Screened to Keep the Pool Clean - 4040 PALMA CEIA CIR, WINTER HAVEN
Ready for Year-Round Swimming - 4040 PALMA CEIA CIR, WINTER HAVEN
Extended Screened Patio - 4040 PALMA CEIA CIR, WINTER HAVEN
Ideal for Outdoor Dining - 4040 PALMA CEIA CIR, WINTER HAVEN
Floor Plan - 4040 PALMA CEIA CIR, WINTER HAVEN
Backyard Pond - 4040 PALMA CEIA CIR, WINTER HAVEN
Gorgeous Curb Appeal & a 2022 Metal Roof - 4040 PALMA CEIA CIR, WINTER HAVEN
Welcoming Entry with Window Planter Boxes - 4040 PALMA CEIA CIR, WINTER HAVEN
Front Patio Sitting Area - 4040 PALMA CEIA CIR, WINTER HAVEN
Meticulously Maintained Inside & Out - 4040 PALMA CEIA CIR, WINTER HAVEN
Lush Landscaping Throughout the Yard - 4040 PALMA CEIA CIR, WINTER HAVEN
Paver Walkways Around the Gardens - 4040 PALMA CEIA CIR, WINTER HAVEN
2022 Metal 26 Gauge Standing Seam Roof - 4040 PALMA CEIA CIR, WINTER HAVEN
Immaculate Backyard - 4040 PALMA CEIA CIR, WINTER HAVEN
This is the FL Life! - 4040 PALMA CEIA CIR, WINTER HAVEN
Palma Ceia Cir Aerial - 4040 PALMA CEIA CIR, WINTER HAVEN
4040 Palma Ceia Cir - White Pinned Location - 4040 PALMA CEIA CIR, WINTER HAVEN
Cypresswood Community Entrance - 4040 PALMA CEIA CIR, WINTER HAVEN
Community Entrance - 4040 PALMA CEIA CIR, WINTER HAVEN
Gated & Guarded 24/7 - 4040 PALMA CEIA CIR, WINTER HAVEN
Clubhouse Entrance - 4040 PALMA CEIA CIR, WINTER HAVEN
Rear of Clubhouse - 4040 PALMA CEIA CIR, WINTER HAVEN
Outdoor Restaurant Dining - 4040 PALMA CEIA CIR, WINTER HAVEN
Community Amenities - 4040 PALMA CEIA CIR, WINTER HAVEN
Community Pool - 4040 PALMA CEIA CIR, WINTER HAVEN
Community Tennis & Pickleball Courts - 4040 PALMA CEIA CIR, WINTER HAVEN
Overview of Amenities - 4040 PALMA CEIA CIR, WINTER HAVEN
Pristine Golf Course - 4040 PALMA CEIA CIR, WINTER HAVEN
Community Clubhouse - 4040 PALMA CEIA CIR, WINTER HAVEN
Clubhouse Parking - 4040 PALMA CEIA CIR, WINTER HAVEN
100 photos

$749,000

4040 PALMA CEIA CIR
WINTER HAVEN, FL 33884
Listed by Deanna Stone · THE STONES REAL ESTATE FIRM
Bedrooms
3
Bathrooms
3.1
Living area
2,493 sqft
Year built
2005

About this home

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 façade. 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 pond, ideal for a fire pit, complete 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!

Highlights

WaterfrontPrivate poolFireplace

Property details

MLS #
MFRL4963754
Property type
Single Family Residence
Subdivision
CYPRESSWOOD PALMA CEIA
Status
Active
Days on market
7
On market date
July 30, 2026
Stories
N/A
Total bathrooms
4
Garage spaces
2
Parking spaces
N/A
Lot size
0.3 acres
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Nearby schools

Within 10 miles · public school directory data (NCES)

Elementary
GARDEN GROVE ELEMENTARY SCHOOL
1.35 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
601
Student:teacher ratio
16.7:1
District
POLK
Middle
DUNDEE RIDGE MIDDLE ACADEMY
3.43 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
761
Student:teacher ratio
19.5:1
District
POLK
High
DON E WOODS OPPORTUNITY CENTER
2.33 mi away · Grades 6-12
Nearest school -- attendance-zone data not available here
5.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
31
Student:teacher ratio
2.4:1
District
POLK

Mortgage calculator

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Est. monthly payment
$4,661/mo
$149,800 down
$599,200 loan
Principal & interest$3,886
Property tax (est.)$624
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 22 days ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.