3640 Crump Rd, photo 1
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Overview

4 bd3 ba3,309 sqft3 car garageSingle Family
TypeSingle Family
HOANone listed
Built1987
Lot53,361 sqft
Living area3,309 sqft
Price / sqft$423
Garage3 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Central VaccumEat-in KitchenOpen FloorplanSplit BedroomStone CountersThermostatWalk-in Closet(s)Window Treatments

3640 Crump Rd is a 1987-built home in Magnolia Shores, Winter Haven. Inside you'll find 4 bedrooms, 3 bathrooms, and 3,309 square feet of living space. Listed at $1,399,900 (about $423/sqft), 52 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

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!

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The essentials

Built
1987
Price / sqft
$423
On market
52 days
Annual tax
$15,096
Flood zone
X · Low risk
Lot
53,361 sqft
Type
Single Family Residence

At a glance

Single family
Built 1987
Waterfront
Lake Front
Private pool
Heated
3 car garage
Boat
1.23 acres
Lot size

Payment

Est. monthly payment
$9,259/mo
Down payment (20%)
$279,980
Property taxes
$1,258/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1987
Lot
53,361 sqft
Cooling
Central Air, Zoned
Heating
Central, Electric, Heat Pump, Zoned
Parking
Boat, Circular Driveway, Driveway, Garage Door Opener, Guest, Parking Pad, Workshop in Garage
Pool
Fiber Optic Lighting, Heated, In Ground, Lighting, Other, Salt Water, Tile
Waterfront
Lake Front
Days on Market
52
Central Vaccum
Eat-in Kitchen
Open Floorplan
Split Bedroom
Stone Counters
Thermostat
Walk-in Closet(s)
Window Treatments
Hurricane Shutters
Lighting
Outdoor Grill
Outdoor Kitchen
Outdoor Shower
Private Mailbox
Rain Gutters
Built-in Oven
Dishwasher
Dryer
Ice Maker
Microwave
Range
Range Hood
Refrigerator
Tankless Water Heater
Trash Compactor
Water Softener
Wine Refrigerator
Elementary
Elbert Elem
Middle
Denison Middle
High
Winter Haven Senior

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X
Annual Tax (2025)
$15,096
Parcel #
27-28-19-829600-000320

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Magnolia Shores
County
Polk
MLS Area
33881 - Winter Haven / Florence Villa
Lot Size
53,361 sqft
In CountyLandscapedOversized LotPaved

Price history

Date
Event
Price
8/21/2026
Listed for sale
Source: Stellar MLS #L4964316
$1,399,900
$423/sqft

Neighborhood

3640 Crump Rd
Winter Haven, FL, 33881 · 33881 - Winter Haven / Florence Villa

Market insights

Offer Insights

Choose an offer strength

List price: $1,399,900
$1.39M – $1.40M
99.5% – 100% of listTops out right at the list price
80% of listList price
164 of the last 267 home closings in 33881 landed at this number or higher (61%). The median one sat 41 days before it went under contract, and this one is on day 52.

Sample: 267 closed home sales in 33881 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$9,259/mo
Principal & interest$7,301
Property taxes$1,258
Insurance$700
Down payment20% · $279,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$1,399,900

$423 per sq ft

Beds and baths

4 beds, 3 baths

Size

3,309 sq ft

Time on market

52 days

Year built

1987

Monthly payment

About $9,259/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $15,096 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

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Brokered byLOCKHART & ASSOCIATES INCListing agent: Amy ReynoldsListing data from Stellar MLS, MLS# L4964316.

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