120 MORNING GLORY CIRCLE, Winter Haven, FL, 33884 | $345,000

Every Detail Has Been Thoughtfully Designed. Every Upgrade Has Been Thoughtfully Completed. Welcome to a home where quality craftsmanship, modern style, and everyday comfort come together effortlessly. Nestled on a beautifully landscaped nearly half-acre homesite overlooking peaceful Garden Lake, this impeccably maintained 3-bedroom, 2-bath residence offers the perfect balance of privacy, sophistication, and smart-home convenience.

A natural privacy hedge of mature hibiscus surrounds the backyard, creating a tranquil setting that is increasingly difficult to find. From the screened front entry to the spacious screened lanai, every space has been designed to embrace Florida living while showcasing the exceptional care invested throughout the home.

Inside, the open-concept floor plan is warm, inviting, and filled with natural light. Smart-home technology allows you to control the lighting, electric fireplace, and garage door opener with ease, while tasteful finishes and thoughtful updates create a contemporary feel that is as functional as it is beautiful.

The completely updated kitchen serves as the heart of the home, featuring granite countertops, a farmhouse sink, elegant 42-inch upper cabinetry, redesigned lower cabinetry, recessed lighting, stainless steel appliances, and a generous workspace. The open layout is ideal for entertaining while maintaining a warm, inviting atmosphere for everyday living.

The attention to detail continues throughout with beautiful flooring, updated lighting, refreshed bathrooms with granite countertops and modern fixtures, energy-efficient Low-E replacement windows, and countless improvements that reflect exceptional ownership.

Outdoor living is equally impressive. Relax year round on the newly screened lanai with its attractive epoxy floor and premium UV-protective screening provides the perfect place to relax while enjoying peaceful views of Garden Lake. This private outdoor retreat is sure to become a favorite gathering place.

Significant improvements—including a Bryant HVAC system, water heater, energy-efficient Low-E windows, updated exterior paint, smart garage door opener, and numerous additional upgrades—offer the peace of mind every buyer is looking for. Completing the home is a long-lasting clay tile roof that adds timeless character and enhances the home’s exceptional curb appeal.

Located within the highly sought-after gated community of Winterset, residents enjoy exceptional amenities including a heated pool and spa, clubhouse, tennis courts, beautifully maintained grounds, private boat ramp and dock on Lake Winterset, and access to the renowned Winter Haven Chain of Lakes—all with a low HOA.

Thoughtfully updated. Beautifully maintained. Perfectly positioned. A home that feels brand new—without the wait.

Features

  • Amenities: Clubhouse, Gated, Pickleball Court(s), Pool, Recreation Facilities, Security, Shuffleboard Court, Spa/Hot Tub, Tennis Court(s)
  • Rooms: 9
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Laundry Room
  • Year Built: 2001
  • Garage: 2-car Driveway, Oversized
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,930
  • Acreage: 0.45
  • Est. Taxes: $2,858
  • HOA Fee: $52 Monthly
  • Lot Desc: Cleared, Landscaped, Oversized Lot, Unincorporated
  • View: Water
  • Pet Policy: Yes
  • Appliances: Convection Oven, Dishwasher, Disposal, Electric Water Heater, Microwave, Range, Refrigerator
  • MLS#: P4939230
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/P4939230/120morningglorycircle_winterhaven_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 7/11/2026 6:35:31 PM)
Listing courtesy of LPT Realty, LLC   Phone: 877-366-2213

William Raveis Family of Services

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Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

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To learn more about our credentials, visit raveis.com today.

Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

120 MORNING GLORY CIRCLE, Winter Haven, FL, 33884

$345,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $276,000 $276,000 $276,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.424% 6.640% 5.972%
Monthly Tax Payment $238 $238 $238
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,677 $1,743 $2,292
Total Monthly Payment $1,990 $2,056 $2,605

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.