644 Hart Lake Drive, FL
Stellar MLS
1 / 1

$699,000

644 Hart Lake Drive

Winter Haven, FL 33884

Listing updated: September 5, 2026 at 3:30 PM ET

Active
Stellar MLSListing courtesy of The Stones Real Estate Firm · Michael Stone · MLS #L4964782 · Active · 863-412-2080
4
Beds
3
Baths
2,511
Sq Ft
0.62
Acres
2002
Built
WaterfrontWater accessPrivate poolFireplace3-car garage$278/sqft
Single Family Residence

Property type

2002

Year built

27,177 sqft

Lot size

$278

Price / sq ft

$83/mo

HOA dues

1

Day on market

3

Garage spaces

X

Flood zone

About this home

From the moment you enter, it is immediately apparent this is not your typical lakefront home. Elevated sightlines extend across the pool to the tranquil waters of Hart Lake, creating a dramatic first impression and an almost infinity-edge style of living. Situated on approximately half an acre in the gated SE Winter Haven community of Hart Lake Hills, this immaculate custom residence offers 4 bedrooms, 3 baths and over 2,500 SF of refined living space with a level of finish and customization rarely found at this price point. Designed for upscale everyday living and impressive entertaining, the home showcases gorgeous travertine and wood flooring, substantial millwork, designer lighting, custom tile and stonework, granite surfaces and distinctive architectural details throughout. Statement fixtures incorporating sculptural, crystal and glass elements add another layer of sophistication. The open, triple-split bedroom floor plan includes a spacious family room, formal dining, office/den, kitchen with dinette and inside laundry. The family room captures panoramic lake views through expansive glass doors opening to the pool and features a custom wood TV wall accented with natural-edge detailing. The kitchen offers quartz countertops, stainless appliances, custom wood cabinetry, breakfast bar and a light-filled dinette overlooking the pool and lake. The adjoining dining room is illuminated by a dramatic faceted glass chandelier, while the office/den room provides flexibility as an office, study or additional sitting room. The primary suite features wood flooring, a large walk-in closet with built-ins and an extraordinary spa-inspired bath. Travertine and stone surround a floating-edge soaking tub with black stone deck, dramatic underlighting and sleek linear fireplace. An oversized open shower features multiple body sprays, handheld fixture and rainfall shower, complemented by floating cabinetry, granite-topped vanity, designer lighting and a private water closet. Three generously sized guest bedrooms are privately positioned away from the primary suite with excellent closet space and access to beautifully customized guest baths. The third bath also serves the pool and features a glass-enclosed MrSteam steam shower. Outside, wide steps transition from the elevated interior to an expansive screened outdoor living area where the saltwater pool appears visually connected to Hart Lake beyond. A large covered lanai with travertine flooring offers room for dining and lounging, while generous deck space provides plenty of room for entertaining and enjoying the Florida sunshine. Hart Lake offers opportunities for fishing, boating and enjoying the natural waterfront setting. Additional features include double-pane windows, insulated sliding doors, central vacuum, irrigation well, 2019 roof, 2020 A/C and a pool enclosure refurbished in 2024 with new screening, doors and screws. All this and centrally located between Tampa and Orlando, approximately 10 minutes from shopping, dining and medical facilities, and within walking distance of Chain of Lakes Elementary.

Estimated monthly payment

Principal & interest$3,535
Property taxes$589
Home insurance (est.)$320
HOA dues$83

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 history1 days on market

  1. Status: Active
    Sep 4, 2026
  2. Listed$699,000
    Sep 4, 2026
  3. Price increased$699,000

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
1
Subdivision
Hart Lake Hills Ph 01
County
Polk
Year built
2002
Living area
2,511 sq ft
Price/sq ft
$278
Building area
3,350 sq ft (Public Records)
Lot size
27,177 sq ft
Lot category
1/2 to less than 1
Flood zone
X (12105C0535H)
Garage
3 spaces
Pool
Private pool
Annual taxes
$7,064 (2025)
Parcel #
26-29-24-690592-000190
MLS #
L4964782

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Interior Details

Bedrooms
4
Full bathrooms
3
Flooring
Carpet, Hardwood, Travertine
Appliances
Dishwasher, Gas Water Heater, Microwave, Range, Refrigerator
Interior features
Ceiling Fans(s), Crown Molding, Eat-in Kitchen, High Ceilings, Primary Bedroom Main Floor, Stone Counters, Walk-In Closet(s)
Laundry
Inside, Laundry Room
Stories / Levels
One
Direction faces
West
Fireplace
Yes

Heating & Cooling

Heating
Central, Electric
Cooling
Central Air

Parking

Garage spaces
3
Attached garage
Yes
Parking features
Driveway, Garage Door Opener

HOA & Financial

HOA fee
$1,000 / Annually
Monthly HOA
$83/mo
Total monthly fees
$83/mo
Total annual fees
$1,000
HOA name
Hart Lake Hills HOA
CDD
No
Min lease term
1-2 Years
Listing terms
Cash, Conventional
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
Yes
Additional lease restrictions
Must contact the HOA directly to confirm all leasing rules and restrictions. No short term. Minimum 12 month lease.
Approval process
Must contact the HOA directly to confirm all leasing rules and restrictions.

Exterior & Construction

Construction materials
Block, Stucco
Roof
Shingle
Foundation
Slab
Pool
Private pool
Waterfront
Yes
Water access
Yes
Water view
Yes
Road surface
Paved

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
Cable Connected, Electricity Connected, Sewer Connected, Water Connected

Community

Pets allowed
Yes

Schools

ElementaryChain O Lakes ElemGreatSchools ↗
MiddleMcLaughlin Academy Of ExcellenceGreatSchools ↗
High SchoolMclaughlin Academy Of ExcellenceGreatSchools ↗

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
Family RoomFirst16x20
Living RoomFirst11x13
Dining RoomFirst11x13
Balcony/Porch/LanaiFirst12x12
Bathroom 3First5x7
Bedroom 4First11x12
Bedroom 3First11x12
Bathroom 2First5x8
Bedroom 2First11x12
Primary BathroomFirst11x16
Primary BedroomFirst16x16
DinetteFirst11x12
KitchenFirst13x13

Listing Details

Listing date
2026-09-04
On market date
2026-09-04
Original list price
$699,000
Occupant type
Tenant
MLS area
33884 - Winter Haven / Cypress Gardens
Listing AOR
Lakeland
Status changed
2026-09-04
Tax legal description
HART LAKE HILLS PHASE ONE PB 106 PGS 7 THRU 9 LYING IN A PORTION OF SECS 13 & 24 T29 R26 ...LOT 19

Flood risk

Minimal riskFEMA Zone XPanel 12105C0535H

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

Hwy 27 to Thompson Nursery Rd - West on Thompson Nursery Rd - South on 653 - East on Hart Lake Blvd - Once through the gate take a left - Home will be on your right

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