CENTURY 21 Edge
$1,399,9004 bd3 ba3,309 sqft$423 /sqft$9,497 /mo all-in ↓

3640 CRUMP ROAD, WINTER HAVEN, FL, 33881

Active14 days on marketListed Aug 21, 2026MLS #L4964316

WaterfrontPrivate poolSingle Family ResidenceMAGNOLIA SHORES

About this home

3640 CRUMP ROAD

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!

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

3,309

Sqft

1.23 ac

Lot size

3

Garage

1987

Year built

One

Levels

$423

Per sqft

Private poolWaterfrontPool & Water viewNegotiablePets allowed

Inside

FlooringPorcelain Tile · Travertine
AppliancesBuilt-In Oven · Dishwasher · Dryer · Ice Maker · Microwave · Range · Range Hood · Refrigerator · Tankless Water Heater · Trash Compactor · Water Softener · Wine Refrigerator
InteriorCentral Vacuum · Eating Space In Kitchen · Open Floorplan · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room · Washer Hookup
CoolingCentral Air · Zoned
HeatingCentral · Electric · Heat Pump · Zoned
FurnishedNegotiable

Outside & construction

RoofMetal · Shingle
ConstructionBlock · Stucco
FoundationSlab
ViewPool · Water
FacesSoutheast
ParkingBoat · Circular Driveway · Driveway · Garage Door Opener · Guest · Parking Pad · Workshop in Garage
ExteriorFrench Doors · Hurricane Shutters · Irrigation System · Lighting · Outdoor Grill · Outdoor Kitchen · Outdoor Shower · Private Mailbox · Rain Gutters

Community & fees

Taxes (2025)$15,096/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Electricity Connected · Fiber Optics · Propane · Underground Utilities · Water Connected
WaterCanal/Lake For Irrigation · Public

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$9,497 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,554
PMI (est., until 20% equity)$525
Property tax — 2025 actual bill$1,258
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $139,990Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $139,990
Interest rate6.00%
Loan term

Estimated payment

$9,497/mo

Principal & interest$7,554
PMI (est., until 20% equity)$525
Property taxes (actual bill)$1,258
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $1.4M
$606KedgeAI estimate $631,209 · range $631K$632K$1.5M

vs edgeAI estimate

+121.8%

$/sqft vs MAGNOLIA SHORES

$423 vs $292

Days on market

14 vs 48 typical

Where $423/sqft sits among the 6 homes for sale in MAGNOLIA SHORES

3
0
0
1
1
1 · this home
$118–169$169–220$220–271$271–321$321–372$372+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Winter Haven

Drive times from this address

Walt Disney World34 min
Universal Orlando45 min
Downtown Orlando51 min
Orlando Int’l Airport (MCO)55 min
Downtown Tampa72 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Winter Haven. See the full Winter Haven guide →

WINTER HAVEN 33881 — neighborhood snapshot

Population

39,189

Median age

43.6

Median income

$53,867

Median home value

$177,400

Avg household

2.61

Households w/ children

3,730

For the school run

Polk County School District

ElementaryFred G. Garner Academy★★★★
HighWinter Haven Senior High School★★★★★
MiddleLake Alfred Polytech Academy★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Winter Haven market

Seller’s marketLeans seller4.8 months of inventoryBuyer’s market

$283K$280K

Winter Haven median sold, yr/yr

97.2%

Sale-to-list ratio (12 mo)

3 of 6

MAGNOLIA SHORES have cut their price

Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 471% above the WINTER HAVEN 33881 median. See the full Winter Haven market guide →

Paper trail

This home's history

Aug 21, 2026Listed at $1,399,900 · 14 days on market since
1987Built · MAGNOLIA SHORES

Reality check

What actually sold near 3640 CRUMP ROAD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3340 CRUMP ROADSold · Nov ’25

$552,000

3340 CRUMP ROAD · same community

4 bd · 3 ba · 2,947 sqft · $187/sqft · 286 DOM

10170 SE 106TH LANESold · Apr ’26

$350,000

10170 SE 106TH LANE · same community

3 bd · 2 ba · 2,668 sqft · $131/sqft · 50 DOM

3350 CRUMP ROADSold · Dec ’25

$550,000

3350 CRUMP ROAD · same community

2 bd · 3.5 ba · 2,387 sqft · $230/sqft · 17 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Julian Rivera

Your agent

Julian Rivera

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3640 CRUMP ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3640 CRUMP ROAD — before you fall in love.

See it in person

Schedule a tour

Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

3640 CRUMP ROAD FAQs

What would the monthly payment be for 3640 CRUMP ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,497/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 3640 CRUMP ROAD?+

The most recent tax bill on record (2025) was $15,096. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 3640 CRUMP ROAD?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Winter Haven?+

At $1,399,900, this home is listed about 391% above the Winter Haven median of $285,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3640 CRUMP ROAD?+

Fred G. Garner Academy (elementary), Winter Haven Senior High School (high), Lake Alfred Polytech Academy (middle) — Polk County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of LOCKHART & ASSOCIATES INC · Amy Reynolds. MLS #L4964316.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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