3211 Heron Cv Winter Haven, FL 33884
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About this home
Gated custom home located within the peaceful and picturesque community of Heron Cay — welcome to 3211 Heron Cove. Nestled behind the private gates of this exclusive enclave of just 24 custom residences along the shores of Lake Eloise, this exceptional 4-bedroom, 3.5-bath pool estate offers 3,480 sq. ft. of refined living on a 0.66-acre cul-de-sac lot. Here, architectural elegance, luxurious finishes, and resort-style amenities come together to create a home that is as livable as it is impressive. From the moment you arrive, manicured landscaping, mature palms, and a stately façade establish a tone of quiet sophistication. Inside, the grand entry opens to rich bamboo and Italian travertine flooring, formal and casual living areas, and a thoughtful layout designed for both intimate gatherings and large-scale entertaining. The formal living room, anchored by a travertine-faced fireplace, makes an elegant centerpiece—perfect for celebrations or quiet evenings in. The open family room offers abundant natural light, built-in AV storage, and seamless access to the outdoors, ideal for relaxed living and movie nights. The kitchen is a showpiece with exotic granite countertops, a leathered-granite island, Sub-Zero 120-bottle two-zone wine refrigerator, professional-grade stainless appliances, natural gas range, hidden butler’s pantry, and a dedicated coffee station. Nearby, an entertainer’s bar invites you to craft cocktails or frozen daiquiris to enjoy by the pool. The primary suite is a serene retreat with a spa-inspired bath featuring an oversized walk-in shower with body sprayers, separate steam shower, expansive granite-topped vanity, dedicated makeup area, and a massive walk-in closet. Bedrooms two and three each have en-suite baths and walk-in closets, while bedroom four offers versatility as a gym, media room, or office. Outdoor living is equally refined with hammered marble decking, heated pool and spa, covered and open lounge areas, and a pavered sitting space surrounded by lush landscaping for total privacy. Additional highlights include a whole-house generator, comprehensive water-filtration system, tile roof, impact-rated doors, insulated windows, plantation shutters, a 3-car garage with abundant storage, and irrigation well. Beyond the gates, Heron Cay offers privacy and connection to the best of Winter Haven living. Lake Eloise—part of the renowned Winter Haven Chain of Lakes—provides boating access to 20+ interconnected lakes, waterfront restaurants, and spectacular LEGOLAND fireworks over the water. Centrally located, Winter Haven blends small-town charm with modern convenience, boutique shopping, fine dining, theatre, cultural events, golf, parks, and nature trails. With its prime location between Tampa and Orlando, this residence offers an unmatched lifestyle defined by elegance, comfort, and timeless Florida living.
Source: STELLAR #P4935890
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FAQs
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
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