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$699,000

644 HART LAKE DRIVE, WINTER HAVEN, FL 33884

3D Tour
Active6 days on market

Beds

4

Baths

3

Sq Ft

2,511 sq ft

Year Built

2002

Lot Size

0.62 acres

Garage

3

About This Property

From the moment you enter, it is immediately apparent this is not your typical lakefront home. Elevated sightlines extend across the pool to the tranquil waters of Hart Lake, creating a dramatic first impression and an almost infinity-edge style of living. Situated on approximately half an acre in the gated SE Winter Haven community of Hart Lake Hills, this immaculate custom residence offers 4 bedrooms, 3 baths and over 2,500 SF of refined living space with a level of finish and customization rarely found at this price point. Designed for upscale everyday living and impressive entertaining, the home showcases gorgeous travertine and wood flooring, substantial millwork, designer lighting, custom tile and stonework, granite surfaces and distinctive architectural details throughout. Statement fixtures incorporating sculptural, crystal and glass elements add another layer of sophistication. The open, triple-split bedroom floor plan includes a spacious family room, formal dining, office/den, kitchen with dinette and inside laundry. The family room captures panoramic lake views through expansive glass doors opening to the pool and features a custom wood TV wall accented with natural-edge detailing. The kitchen offers quartz countertops, stainless appliances, custom wood cabinetry, breakfast bar and a light-filled dinette overlooking the pool and lake. The adjoining dining room is illuminated by a dramatic faceted glass chandelier, while the office/den room provides flexibility as an office, study or additional sitting room. The primary suite features wood flooring, a large walk-in closet with built-ins and an extraordinary spa-inspired bath. Travertine and stone surround a floating-edge soaking tub with black stone deck, dramatic underlighting and sleek linear fireplace. An oversized open shower features multiple body sprays, handheld fixture and rainfall shower, complemented by floating cabinetry, granite-topped vanity, designer lighting and a private water closet. Three generously sized guest bedrooms are privately positioned away from the primary suite with excellent closet space and access to beautifully customized guest baths. The third bath also serves the pool and features a glass-enclosed MrSteam steam shower. Outside, wide steps transition from the elevated interior to an expansive screened outdoor living area where the saltwater pool appears visually connected to Hart Lake beyond. A large covered lanai with travertine flooring offers room for dining and lounging, while generous deck space provides plenty of room for entertaining and enjoying the Florida sunshine. Hart Lake offers opportunities for fishing, boating and enjoying the natural waterfront setting. Additional features include double-pane windows, insulated sliding doors, central vacuum, irrigation well, 2019 roof, 2020 A/C and a pool enclosure refurbished in 2024 with new screening, doors and screws. All this and centrally located between Tampa and Orlando, approximately 10 minutes from shopping, dining and medical facilities, and within walking distance of Chain of Lakes Elementary.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #L4964782
StatusActive
Year Built2002
Total Rooms13
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesWest
SubdivisionHART LAKE HILLS PH 01
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Crown Molding, Eating Space In Kitchen, High Ceilings, Primary Bedroom Main Floor, Stone Counters, Walk-In Closet(s)
FlooringCarpet, Engineered Hardwood, Travertine
AppliancesDishwasher, Gas Water Heater, Microwave, Range, Refrigerator
LaundryInside, Laundry Room
WindowsBlinds, Double Pane Windows, Shades
CoolingCentral Air
HeatingCentral, Electric
FireplaceYes ()
SecurityGated Community

Exterior & Lot

ExteriorIrrigation System, Sliding Doors
Lot Size0.62 acres (27,177 sq ft)
Lot FeaturesIn County
Road SurfacePaved
ViewPool, Water

Pool & Spa

Private PoolYes
Pool FeaturesGunite, In Ground, Salt Water, Screen Enclosure

Waterfront

WaterfrontYes
FeaturesLake Front

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

Parking

GarageYes (3 spaces)

HOA & Community

HOAYes
HOA Fee$1,000 / Annually
Senior CommunityNo

Financial Details

List Price$699,000
Annual Taxes$7,064 (2025)
FinancingCash, Conventional
Parcel #262924690592000190

Schools

ElementaryChain O Lakes Elem
MiddleMcLaughlin Academy Of Excellence
HighMclaughlin Academy Of Excellence

Directions

Hwy 27 to Thompson Nursery Rd - West on Thompson Nursery Rd - South on 653 - East on Hart Lake Blvd - Once through the gate take a left - Home will be on your right

Location

644 HART LAKE DRIVE, WINTER HAVEN, FL 33884

Listing Information

OfficeTHE STONES REAL ESTATE FIRM
ListedSeptember 4, 2026

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Home Price

$699,000

20% ($139,800)
6.75%

Loan Term

Principal & Interest$3,627
Property Tax (est.)$641
Insurance (est.)$150
Total Monthly$4,418
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $699,000 home in WINTER HAVEN.

🏦

Conventional

$34,950 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 11, 2026.

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