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$649,900

3050 CRUMP ROAD, WINTER HAVEN, FL 33881

3D Tour
Active246 days on market

Beds

4

Baths

3

Sq Ft

2,397 sq ft

Year Built

1982

Lot Size

1.08 acres

Garage

2

About This Property

**Seller is MOTIVATED**Major Price Improvement** Welcome to this exceptional lakefront property at 3050 Crump Rd in Winter Haven, offering space, versatility, and direct access to the lifestyle Central Florida is known for. Situated on approximately 1.08 acres along Lake Hamilton, this residence combines a thoughtfully updated main home with a private guest studio, outdoor living, and boating amenities. The main home features three bedrooms and two bathrooms with an open and functional layout. A bonus room with built in entertainment cabinetry and surround sound opens through double sliding doors to the pool deck, creating seamless indoor-outdoor living. The living room showcases beautiful wood beams, a wood burning brick fireplace, and triple sliding glass doors overlooking the pool and lake. Tile flooring runs throughout the main living areas, with wood flooring in the bedrooms. The kitchen is designed for everyday living and entertaining, featuring granite countertops, updated cabinetry with pullouts, a large island, built in desk space, wine refrigerator, stainless steel appliances, and a built-in oven/microwave combination. A separate guest studio apartment adds flexibility, complete with a kitchenette and triple sliding glass doors leading directly to the pool area. This space is ideal for guests, extended household needs, or flexible use. Outdoor features include a screened pool with new heater and an 8-foot depth, a spa that conveys, and a gas fireplace on the patio with underground piping in place (propane tank has been removed, but can easily be replaced by the new homeowner). The pool screen was recently replaced. The property includes a private boat dock and lift, allowing easy access to Lake Hamilton and nearby lakefront restaurants by water. Additional highlights include fruit trees in the front yard, RV parking for up to 31 feet with additional storage space, and a metal roof. Practical upgrades and systems include a new air conditioning system installed July 2024 with annual maintenance, water softener, well for irrigation, public water for the home, an inside laundry room, and a 2-car garage. The hot water heater was installed in 2011. Septic service was last completed June 2023. Solar panels are leased at $381.75 per month, with an average Duke Energy bill of approximately $30 per month. Televisions in the main living areas convey, excluding bedrooms. This lakefront retreat offers privacy, functionality, and a connection to the water, all set along beautiful winding roads in a peaceful Winter Haven setting.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #L4959091
StatusActive
Year Built1982
Stories1
Total Rooms5
ConstructionWood Frame, Wood Siding
RoofMetal
FoundationSlab
FacesSouth
SubdivisionMAGNOLIA SHORES
CountyPolk
OwnershipFee Simple

Interior Features

InteriorBuilt-in Features, Ceiling Fan(s), High Ceilings, Living Room/Dining Room Combo, Open Floorplan, Skylight(s), Split Bedroom, Stone Counters, Thermostat, Walk-In Closet(s)
FlooringTile, Hardwood
AppliancesBuilt-In Oven, Cooktop, Dishwasher, Electric Water Heater, Microwave, Range Hood, Refrigerator, Water Softener, Wine Refrigerator
LaundryElectric Dryer Hookup, Inside, Laundry Room, Washer Hookup
WindowsBlinds
CoolingCentral Air, Mini-Split Unit(s)
HeatingCentral, Electric, Solar
FireplaceYes ()

Exterior & Lot

ExteriorFire Pit, Irrigation System, Private Mailbox, RV Hookup, Sliding Doors, Storage
Other StructuresFinished RV Port, Guest House, Storage
Lot Size1.08 acres (47,075 sq ft)
Lot Dimensions150 x 301
Lot FeaturesIn County, Landscaped, Level, Oversized Lot, Unincorporated
Road SurfacePaved
ViewWater

Pool & Spa

Private PoolYes
Pool FeaturesGunite, Heated, In Ground
SpaAbove Ground

Waterfront

WaterfrontYes
FeaturesLake Front, Lake - Chain of Lakes

Utilities

WaterCanal/Lake For Irrigation, Public
SewerSeptic Tank
UtilitiesBB/HS Internet Available, Cable Available, Electricity Connected, Phone Available, Public, Solar, Sprinkler Well, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$649,900
Original Price$799,900
Annual Taxes$10,845 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningR-1A
Parcel #272819829600000180

Directions

DUNDEE RD TO COUNTRY CLUB RD S, TURN R ON CRUMP RD, DESTINATION ON LEFT IN 1.4 MILES

Location

3050 CRUMP ROAD, WINTER HAVEN, FL 33881

Listing Information

OfficeENGEL & VOELKERS LAKELAND
ListedFebruary 2, 2026

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Home Price

$649,900

20% ($129,980)
6.75%

Loan Term

Principal & Interest$3,372
Property Tax (est.)$596
Insurance (est.)$150
Total Monthly$4,118
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How to Buy This Home

Multiple financing options available for this $649,900 home in WINTER HAVEN.

🏛️

FHA Loan

$22,747 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$32,495 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Polk County SHIP

Varies

Income-qualifying Polk residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: September 15, 2026.

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