# 3640 CRUMP Road, Winter Haven, FL 33881 > **TL;DR:** 4bd/3ba single family, $1,399,900 ($423/sqft), built 1987, 3,309 sqft. > Pool, Waterfront, View, A/C. Est. $7,487/mo. Listed 68 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $1,399,900 | | Price/sqft | $423 | | Bedrooms | 4 | | Bathrooms | 3 full | | Square Feet | 3,309 | | Year Built | 1987 | | Lot Size | 53,579 sqft (1.23 acres) | | Stories | 1 | | Garage | 3-car | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 68 | ## Why This Home Stands Out - **Pool** - Porch - **Waterfront** - Waterfront location listed - **Views** - Water, Lake - **Large Garage** - 3-car garage ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $7,079 | | Estimated Insurance | $408 | | **Total** | **$7,487** | ## Nearby Schools - **Elementary:** Elbert Elem - **Middle:** Denison Middle - **High:** Winter Haven Senior ## Key Amenities - Pool - Waterfront - View - A/C - RV Parking - 3-car garage ## Property Highlights - Built in 1987 - 1.23 acre lot - Private pool - Waterfront ## Description ### Agent Description 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! ## Location - **Address:** 3640 CRUMP Road, Winter Haven, FL 33881 - **County:** Polk - **Neighborhood:** MAGNOLIA SHORES - **Coordinates:** 28.039019, -81.640086 - **Google Maps:** https://www.google.com/maps?q=28.039019,-81.640086 ## Virtual Tour & Media - **Video Tour:** https://my.matterport.com/show/?m=pMcb95r1ji5 ## Listing Agent - **Name:** Amy Reynolds - **Brokerage:** Lockhart & Associates, Inc. - **Broker Phone:** (863) 293-1234 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/3640-Crump-Rd_Winter-Haven_FL_33881_M62792-70294?f=listhub&s=MFRMLSFL&m=L4964316&c=propsimple) ## Photos ![3640 CRUMP Road - Photo 1](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f1652545582r.jpg) ![3640 CRUMP Road - Photo 2](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f2150765523r.jpg) ![3640 CRUMP Road - Photo 3](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f1867685020r.jpg) ![3640 CRUMP Road - Photo 4](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f2581795812r.jpg) ![3640 CRUMP Road - Photo 5](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f432766293r.jpg) ![3640 CRUMP Road - Photo 6](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f3982809450r.jpg) ![3640 CRUMP Road - Photo 7](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f1762121368r.jpg) ![3640 CRUMP Road - Photo 8](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f2001353583r.jpg) ![3640 CRUMP Road - Photo 9](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f3223259573r.jpg) ![3640 CRUMP Road - Photo 10](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f3523061030r.jpg) ![3640 CRUMP Road - Photo 11](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f3813617010r.jpg) ![3640 CRUMP Road - Photo 12](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f3148862460r.jpg) ![3640 CRUMP Road - Photo 13](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f344008609r.jpg) ![3640 CRUMP Road - Photo 14](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f3195709419r.jpg) ![3640 CRUMP Road - Photo 15](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f4191038679r.jpg) ![3640 CRUMP Road - Photo 16](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f1383559129r.jpg) ![3640 CRUMP Road - Photo 17](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f2528573515r.jpg) ![3640 CRUMP Road - Photo 18](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f3535422246r.jpg) ![3640 CRUMP Road - Photo 19](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f936356068r.jpg) ![3640 CRUMP Road - Photo 20](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f1197247336r.jpg) ![3640 CRUMP Road - Photo 21](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f122048237r.jpg) ![3640 CRUMP Road - Photo 22](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f4116176057r.jpg) ![3640 CRUMP Road - Photo 23](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f1252878859r.jpg) ![3640 CRUMP Road - Photo 24](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f3606813693r.jpg) ![3640 CRUMP Road - Photo 25](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f3175733898r.jpg) ![3640 CRUMP Road - Photo 26](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f505317509r.jpg) ![3640 CRUMP Road - Photo 27](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f1978919142r.jpg) ![3640 CRUMP Road - Photo 28](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f935654760r.jpg) ![3640 CRUMP Road - Photo 29](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f913285553r.jpg) ![3640 CRUMP Road - Photo 30](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f1568366916r.jpg) ![3640 CRUMP Road - Photo 31](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f2190169368r.jpg) ![3640 CRUMP Road - Photo 32](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f3339666773r.jpg) ![3640 CRUMP Road - Photo 33](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f2802612943r.jpg) ![3640 CRUMP Road - Photo 34](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f320287610r.jpg) ![3640 CRUMP Road - Photo 35](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f1254371958r.jpg) ![3640 CRUMP Road - Photo 36](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f2528824761r.jpg) ![3640 CRUMP Road - Photo 37](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f1558098024r.jpg) ![3640 CRUMP Road - Photo 38](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f3477709006r.jpg) ![3640 CRUMP Road - Photo 39](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f681666605r.jpg) ![3640 CRUMP Road - Photo 40](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f1284757320r.jpg) ![3640 CRUMP Road - Photo 41](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f1075753144r.jpg) ![3640 CRUMP Road - Photo 42](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f2790593263r.jpg) ![3640 CRUMP Road - Photo 43](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f251793993r.jpg) ![3640 CRUMP Road - Photo 44](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f3611312553r.jpg) ![3640 CRUMP Road - Photo 45](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f2966630202r.jpg) ![3640 CRUMP Road - Photo 46](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f155081778r.jpg) ![3640 CRUMP Road - Photo 47](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f370257920r.jpg) ![3640 CRUMP Road - Photo 48](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f1340192436r.jpg) ![3640 CRUMP Road - Photo 49](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f2750564470r.jpg) ![3640 CRUMP Road - Photo 50](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f3887472484r.jpg) ![3640 CRUMP Road - Photo 51](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f2607118609r.jpg) ![3640 CRUMP Road - Photo 52](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f477531724r.jpg) ![3640 CRUMP Road - Photo 53](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f1965149160r.jpg) ![3640 CRUMP Road - Photo 54](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f4244222973r.jpg) ![3640 CRUMP Road - Photo 55](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f2073961753r.jpg) ![3640 CRUMP Road - Photo 56](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f938408575r.jpg) ![3640 CRUMP Road - Photo 57](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f3451745700r.jpg) ![3640 CRUMP Road - Photo 58](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f3664109112r.jpg) ![3640 CRUMP Road - Photo 59](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f1168239279r.jpg) ![3640 CRUMP Road - Photo 60](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f2510640558r.jpg) ![3640 CRUMP Road - Photo 61](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f429046157r.jpg) ![3640 CRUMP Road - Photo 62](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f1938568157r.jpg) ![3640 CRUMP Road - Photo 63](http://lh.rdcpix.com/dda8e519d6559d19d49913502e32ae76l-f1876798901r.jpg) --- **MLS#:** L4964316 | **Updated:** 2026-10-25 **Source:** listhub *Copyright © 2026 Stellar MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://staging.propertysimple.ai/listing/3640-crump-road-winter-haven-fl-33881-3a39c7b820bc4513874778f8d29db58f) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/3640-crump-road-winter-haven-fl-33881-3a39c7b820bc4513874778f8d29db58f#listing", "url": "https://staging.propertysimple.ai/listing/3640-crump-road-winter-haven-fl-33881-3a39c7b820bc4513874778f8d29db58f", "name": "3640 CRUMP Road, Winter Haven, FL 33881", "description": "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. 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