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Under ConstructionNew Construction

3186 Totem RoadNew Construction Home in Eagle Lake, FL

Eagle Lake, FL 33839 · Polk County

$269,740

$141/sq ft

4 Beds3 Baths1,910 sq ftBuilt 2026

Photos of 3186 Totem Road

3186 Totem Road, Eagle Lake, photo 1 of 251 / 25

Who is building this home?

This home is listed as built by Lennar Homes, floor plan Morrow. Builder quality, warranty responsiveness, and willingness to fix punch-list items vary enormously between companies in Tampa Bay.

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About this home

Under Construction. This new two-story Morrow provides a luxurious retreat with a first-floor owner’s suite, featuring a spacious bedroom, en-suite bathroom and walk-in closet. A nearby open-concept floorplan combines the kitchen, living and dining areas for streamlined, everyday living. Three additional bedroom suites can be found on the second level, along with a versatile loft that provides a convenient shared living area and additional entertainment space. Ranches at Lake McLeod is a masterplan community located in the lovely city of Eagle Lake, FL. This tranquil community provides quality construction, innovative designs, with brand-new appliances. All homes come standard with Connected Home features. Amenities include: Club house, fitness center, pool, dog park, volleyball, pickleball, basketball, dock, roving patrol, and playground. Conveniently located near shopping, restaurants, parks, schools, and close proximity to major roadways. Eagle Lake is just a short distance from ample outdoor recreation, and more in nearby Winter Haven. Popular attractions include Chain of Lakes Sports Complex, Legoland, Lake Ned and the downtown strip. Stake out your homesite at Ranches at Lake McLeod.

Home details and costs

MLS number
O6451284
Property type
Single Family Residence
Build stage
Under Construction
Builder
Lennar Homes
Floor plan
Morrow
Heated square feet
1,910 sq ft
Total under roof
2,310 sq ft
Stories
2 Story
Lot size
0.13 acres
Subdivision
Ranches at Mcleod 40gc
HOA fee
$118/mo
Days on market
1 days

Heads up on that tax figure. On new construction, the number in the MLS is often the tax on the bare lot, not the finished home. Expect it to jump once the county reassesses with the house on it. How Florida reassesses new builds

What would this home actually cost per month?

Pre-filled with this listing's price and HOA. Adjust anything to match your situation.

Estimated monthly payment

$2,350

$26,974 down (10%) on a $242,766 loan

Principal and interest
$1,534
Property tax (estimated)
$330
Homeowners insurance
$267
HOA
$118
PMI (under 20% down)
$101

CDD defaults to zero, and that is often wrong.Many Tampa Bay new-construction communities carry a Community Development District assessment of roughly $1,500 to $3,000 a year on top of HOA, and it is rarely included in a builder's payment estimate. Ask whether this address is in a CDD before you budget.

Estimates only. Actual taxes, insurance, and assessments vary by address and change year to year.

Get the real numbers on this home

What is negotiable on this home?

Here is what this listing's numbers say about the builder's position.

  • On the market 1 daysContext

    Still relatively fresh. Expect the sales office to hold firmer here than on inventory that has been sitting.

  • Still under constructionContext

    The builder has money in the ground but no finished house to carry, so there is less pressure than on standing inventory. The upside is that some finish selections are usually still open.

Where builders actually give

Rarely on the published base price. It sets the comp for every unsold home behind this one, and protecting it protects their appraisals. The real room is in closing cost credits, interest rate buydowns, and upgrades moved into the base. Asking for the right one in the right order is most of the job.

Ask Barrett what this builder will move on

Assigned schools

Elementary
Wahneta Elem
Middle
Westwood Middle
High
Lake Region High

School assignments come from the MLS and change. Confirm directly with the district before relying on them.

Virtual tour

View the virtual tour for 3186 Totem Road→

Other new construction homes in Eagle Lake

Listed by Lennar Realty. Listing data provided courtesy of Stellar MLS via Bridge Interactive. Information is deemed reliable but not guaranteed and is provided for consumers' personal, non-commercial use. 3186 Totem Road, Eagle Lake, FL 33839 is presented by Barrett Henry, REMAX Collective. Prices, availability, and incentives change without notice.

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