3640 Crump Road, FL
Stellar MLS
1 / 1

$1,399,900

3640 Crump Road

Winter Haven, FL 33881

Listing updated: August 25, 2026 at 11:27 AM ET

Active
Stellar MLSListing courtesy of Lockhart & Associates Inc · Amy Reynolds · MLS #L4964316 · Active · 863-293-1234
4
Beds
3
Baths
3,309
Sq Ft
1.23
Acres
1987
Built
WaterfrontWater accessPrivate pool3-car garage1.23 acres$423/sqft360° tour
Single Family Residence

Property type

1987

Year built

53,361 sqft

Lot size

$423

Price / sq ft

No HOA

HOA dues

4

Days on market

3

Garage spaces

X

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

Principal & interest$7,079
Property taxes$1,258
Home insurance (est.)$642

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

  1. Status: Active
    Aug 21, 2026
  2. Listed$1,399,900
    Aug 21, 2026
  3. 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

ElementaryElbert ElemGreatSchools ↗
MiddleDenison MiddleGreatSchools ↗
High SchoolWinter Haven SeniorGreatSchools ↗

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

RoomLevelDimensions
Living RoomFirst28.75x18
KitchenFirst16x14
DinetteFirst10x8
Dining RoomFirst22.5x13.75
Primary BedroomFirst19.5x17.25
Primary BathroomFirst17x9
Bedroom 2First16.75x11.5
Bedroom 3First16.75x11.5
Bedroom 4First15.25x11
Balcony/Porch/LanaiFirst30x40

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 riskFEMA Zone X

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 records

3640 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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