Front Exterior - 3640 CRUMP RD, WINTER HAVEN
Floor Plan - 3640 CRUMP RD, WINTER HAVEN
Front Exterior - 3640 CRUMP RD, WINTER HAVEN
Front Exterior - 3640 CRUMP RD, WINTER HAVEN
Swim up bar with gas fire-pit - 3640 CRUMP RD, WINTER HAVEN
Roof line waterfall - 3640 CRUMP RD, WINTER HAVEN
Outdoor kitchen with new grill - 3640 CRUMP RD, WINTER HAVEN
Covered Lanai with breathtaking views - 3640 CRUMP RD, WINTER HAVEN
Gas fire pit with seating in and out of the water - 3640 CRUMP RD, WINTER HAVEN
Salt water PebbleTec  pool surrounded by travertine deck. (Propane heated) - 3640 CRUMP RD, WINTER HAVEN
Pool fountains - 3640 CRUMP RD, WINTER HAVEN
Pool fountains - 3640 CRUMP RD, WINTER HAVEN
Back Exterior - 3640 CRUMP RD, WINTER HAVEN
Back Exterior - 3640 CRUMP RD, WINTER HAVEN
Single Family Residence at 3640 CRUMP RD, WINTER HAVEN, photo 15 of 63
Gas fire pit at sunset - 3640 CRUMP RD, WINTER HAVEN
Front Exterior - 3640 CRUMP RD, WINTER HAVEN
Front pavered driveway - 3640 CRUMP RD, WINTER HAVEN
Sunset on Lake Hamilton - 3640 CRUMP RD, WINTER HAVEN
Sunset - 3640 CRUMP RD, WINTER HAVEN
Sunset - 3640 CRUMP RD, WINTER HAVEN
Dock with lights - 3640 CRUMP RD, WINTER HAVEN
Sunset at the dock - 3640 CRUMP RD, WINTER HAVEN
Aerial View - 3640 CRUMP RD, WINTER HAVEN
Overhead view - 3640 CRUMP RD, WINTER HAVEN
Overhead view - 3640 CRUMP RD, WINTER HAVEN
Back Exterior - 3640 CRUMP RD, WINTER HAVEN
Back Exterior - 3640 CRUMP RD, WINTER HAVEN
Lake/dock view - 3640 CRUMP RD, WINTER HAVEN
Dock - 3640 CRUMP RD, WINTER HAVEN
Dock with boat lift - 3640 CRUMP RD, WINTER HAVEN
Dock with boat lift - 3640 CRUMP RD, WINTER HAVEN
Open floor plan - 3640 CRUMP RD, WINTER HAVEN
Living Room - 3640 CRUMP RD, WINTER HAVEN
Living Room - 3640 CRUMP RD, WINTER HAVEN
Kitchen and dining area - 3640 CRUMP RD, WINTER HAVEN
Dining area and Kitchen - 3640 CRUMP RD, WINTER HAVEN
Kitchen - 3640 CRUMP RD, WINTER HAVEN
Kitchen - 3640 CRUMP RD, WINTER HAVEN
Kitchen - 3640 CRUMP RD, WINTER HAVEN
Butler's Pantry - 3640 CRUMP RD, WINTER HAVEN
Primary Bedroom - 3640 CRUMP RD, WINTER HAVEN
Primary Bedroom - 3640 CRUMP RD, WINTER HAVEN
Primary Bathroom with dual vanities - 3640 CRUMP RD, WINTER HAVEN
Primary Bathroom with dual shower heads - 3640 CRUMP RD, WINTER HAVEN
Primary Bathroom - 3640 CRUMP RD, WINTER HAVEN
Primary Closet - 3640 CRUMP RD, WINTER HAVEN
Primary Closet - 3640 CRUMP RD, WINTER HAVEN
Primary Closet - 3640 CRUMP RD, WINTER HAVEN
Laundry Room - 3640 CRUMP RD, WINTER HAVEN
2nd Bedroom - 3640 CRUMP RD, WINTER HAVEN
2nd Bedroom - 3640 CRUMP RD, WINTER HAVEN
2nd Bathroom - 3640 CRUMP RD, WINTER HAVEN
2nd Bathroom with shower - 3640 CRUMP RD, WINTER HAVEN
3rd Bedroom - 3640 CRUMP RD, WINTER HAVEN
3rd Bedroom - 3640 CRUMP RD, WINTER HAVEN
3rd Bathroom - 3640 CRUMP RD, WINTER HAVEN
3rd Bathroom - 3640 CRUMP RD, WINTER HAVEN
4th Bedroom - 3640 CRUMP RD, WINTER HAVEN
4th Bedroom - 3640 CRUMP RD, WINTER HAVEN
Garage - 3640 CRUMP RD, WINTER HAVEN
Garage - 3640 CRUMP RD, WINTER HAVEN
Storage Shed - 3640 CRUMP RD, WINTER HAVEN
63 photos

$1,399,900

3640 CRUMP RD
WINTER HAVEN, FL 33881
Listed by Amy Reynolds · LOCKHART & ASSOCIATES INC
Bedrooms
4
Bathrooms
3
Living area
3,309 sqft
Year built
1987

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!

Highlights

WaterfrontPrivate pool

Property details

MLS #
MFRL4964316
Property type
Single Family Residence
Subdivision
MAGNOLIA SHORES
Status
Active
Days on market
11
On market date
August 21, 2026
Stories
N/A
Total bathrooms
3
Garage spaces
3
Parking spaces
N/A
Lot size
1.23 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card (e.g. NC Dept. of Public Instruction, SC Report Card).

Elementary
DUNDEE ELEMENTARY ACADEMY
1.59 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
626
Student:teacher ratio
15.3:1
District
POLK
Middle
DUNDEE RIDGE MIDDLE ACADEMY
3.08 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
761
Student:teacher ratio
19.5:1
District
POLK
High
DON E WOODS OPPORTUNITY CENTER
1.66 mi away · Grades 6-12
Nearest school -- attendance-zone data not available here
5.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
31
Student:teacher ratio
2.4:1
District
POLK

Walkability

Blended score for WINTER HAVEN's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). EPA National Walkability Index only -- nearby-amenity data not cached yet for this area.

25
Car-dependent
out of 100
EPA National Walkability Index
5.0 / 20 -- Least walkable

Market position

How this listing compares to current activity in WINTER HAVEN, from live MLS data.

On the market 11 days -- 83 fewer days than WINTER HAVEN's current average of 94 days.
For reference, the median list price across 1,267 active listings in WINTER HAVEN right now is $247,500.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Est. monthly payment
$8,580/mo
$279,980 down
$1,119,920 loan
Principal & interest$7,264
Property tax (est.)$1,167
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated September 1, 2026.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.