
$1,399,900
3640 Crump Road
Winter Haven, FL 33881
Listing updated: August 25, 2026 at 11:27 AM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Welcome to your own private lakefront retreat on 1.23 acres along Lake Hamilton with NO HOA! This stunning 4-bedroom, 3-bath home offers an exceptional combination of luxury, entertaining space, and the ultimate Florida waterfront lifestyle. Bring your boat and jet skis and enjoy the convenience of a private dock featuring an electric covered boat lift and built-in fishing bench. The outdoor living space is truly spectacular! Step through the French doors to a sparkling saltwater PebbleTec pool featuring iridescent tile, fiber-optic lighting, a swim-up bar, fountains, and a roof-line waterfall. The propane-heated pool is surrounded by an expansive travertine deck, while the nearby gas fire pit with custom-cushioned seating creates the perfect setting for evening gatherings. Propane-connected tiki torches add a tropical ambiance, and a hidden sump pump provides worry-free drainage after storms. Entertaining is effortless with the outdoor kitchen, complete with a new grill and refrigerated drawers. The fenced backyard extends halfway to the lake, providing plenty of room for pets to play. Professional Florida-native landscaping, enhances the lush, resort-like setting. Inside, the beautifully designed chef's kitchen features quartz countertops, a copper farmhouse sink, paneled refrigerator, trash compactor, and spacious butler's pantry with a full-size refrigerator and abundant storage. The open floor plan includes a dedicated buffet area with dual wine refrigerators adjacent to the dining space—perfect for hosting family and friends. Nine-foot ceilings, crown molding, porcelain tile, shiplap accents, custom lighting, and a central vacuum system add comfort and sophistication throughout. The luxurious primary suite offers direct access to the pool deck, with a convenient open-air shower just outside. The ensuite features dual vanities and a walk-in shower with dual shower heads. The expansive walk-in closet includes a center island, custom shelving, heated towel rack, and an extra-large Liberty Safe. The home underwent a complete rebuild in 2017, so all features are 2017 or newer. Recent improvements include a new roof (2025), new pool pump (2025), a new 12x24 storage shed (2025) and new irrigation system (2025). The irrigation water comes from the lake so it doesn’t affect your water bill. Additional features include a split-bedroom floor plan, with two guest bedrooms sharing a Jack-and-Jill bath; hurricane shutters; a whole-home Generac generator; and TVs in every room, including the back porch. The spacious 3-car garage features tiled flooring, storage, a workshop, and an industrial ice maker. A pavered circular driveway provides ample parking, plus an additional parking pad with room for an RV. From the custom interior and exterior lighting to the custom painting, bamboo chair rail, and travertine exterior accents, every detail has been thoughtfully designed. The home is also pre-wired for ADT security at the front and rear doors and garage service door. Boating, fishing, entertaining, relaxing, and resort-style living—all in one exceptional Lake Hamilton property with no HOA!
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history4 days on market
- Status: ActiveAug 21, 2026
- Listed$1,399,900Aug 21, 2026
- Price increased$1,399,900
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 4
- Subdivision
- Magnolia Shores
- County
- Polk
- Year built
- 1987
- Living area
- 3,309 sq ft
- Price/sq ft
- $423
- Building area
- 5,342 sq ft (Public Records)
- Lot size
- 53,361 sq ft
- Lot category
- 1 to less than 2
- Flood zone
- X
- Garage
- 3 spaces
- Pool
- Private pool
- Annual taxes
- $15,096 (2025)
- Parcel #
- 27-28-19-829600-000320
- Zoning
- R-1A
- MLS #
- L4964316
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Interior Details
- Bedrooms
- 4
- Full bathrooms
- 3
- Flooring
- Tile, Travertine
- Appliances
- Built-In Oven, Dishwasher, Dryer, Ice Maker, Microwave, Range, Range Hood, Refrigerator, Tankless Water Heater, Trash Compactor, Water Softener, Wine Refrigerator
- Interior features
- Central Vaccum, Eat-in Kitchen, Open Floorplan, Split Bedroom, Stone Counters, Thermostat, Walk-In Closet(s), Window Treatments
- Laundry
- Inside, Laundry Room, Washer Hookup
- Stories / Levels
- One
- Direction faces
- Southeast
Heating & Cooling
- Heating
- Central, Electric, Heat Pump, Zoned
- Cooling
- Central Air, Zoned
Parking
- Garage spaces
- 3
- Attached garage
- Yes
- Parking features
- Boat, Circular Driveway, Driveway, Garage Door Opener, Guest, Parking Pad, Workshop in Garage
HOA & Financial
- Total monthly fees
- $0/mo
- Total annual fees
- $0
- CDD
- No
- Min lease term
- No Minimum
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
- Additional lease restrictions
- Contact Polk County for specific leasing restrictions.
- Approval process
- Contact Polk County for the proper approval process.
Exterior & Construction
- Exterior features
- Hurricane Shutters, Lighting, Outdoor Grill, Outdoor Kitchen, Outdoor Shower, Private Mailbox, Rain Gutters
- Construction materials
- Block, Stucco
- Roof
- Metal, Shingle
- Foundation
- Slab
- Pool
- Private pool
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Paved
Utilities
- Sewer
- Septic Tank
- Water source
- Canal/Lake For Irrigation, Public
- Utilities
- Cable Available, Electricity Connected, Fiber Optics, Propane, Underground Utilities, Water Connected
Community
- Pets allowed
- Yes
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Living Room | First | 28.75x18 |
| Kitchen | First | 16x14 |
| Dinette | First | 10x8 |
| Dining Room | First | 22.5x13.75 |
| Primary Bedroom | First | 19.5x17.25 |
| Primary Bathroom | First | 17x9 |
| Bedroom 2 | First | 16.75x11.5 |
| Bedroom 3 | First | 16.75x11.5 |
| Bedroom 4 | First | 15.25x11 |
| Balcony/Porch/Lanai | First | 30x40 |
Listing Details
- Listing date
- 2026-08-21
- On market date
- 2026-08-21
- Original list price
- $1,399,900
- Occupant type
- Owner
- MLS area
- 33881 - Winter Haven / Florence Villa
- Listing AOR
- Lakeland
- Status changed
- 2026-08-21
- Tax legal description
- MAGNOLIA SHORES PB 46 PGS 20 & 21 LOT 32
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
From Downtown WH take Central Ave to Dundee Rd. Take a Left on Country Club Rd S just before Publix Shopping Center. Follow to Right on Crump Rd. Follow to 3640. The home will be on the Left side of the road
Property sale history
Public records3640 CRUMP RD, WINTER HAVEN 33881
- Jun 2025$1,325,000
- Aug 2024$1,180,000
3,309 sq ft · Built 1987 · 1.2250 acres
Sale data from Florida public records (Department of Revenue / county property appraiser). Deemed reliable but not guaranteed; may not reflect current market or MLS status. Not Stellar MLS data.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
IDX information is provided exclusively 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.
Based on information submitted to the MLS GRID as of August 25, 2026 at 11:27 AM ET. 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.
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