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Active · Single Family

644 HART LAKE DRIVE

WINTER HAVEN, FL 33884

Beds
4 beds
Baths
3 baths
Area
2,511 sqft
Single FamilyBuilt 200227,177 sqft lot3-car garageCentral, ElectricCentral AirPoolFireplace$278/sqftListed today

Location

About this home

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.

Facts & features

Interior

Bedrooms
4
Bathrooms
3
Living area
2,511 sqft
Heating
Central, Electric
Cooling
Central Air
Flooring
Carpet, Hardwood, Travertine
Fireplace
Yes
Features
Ceiling Fans(s), Crown Molding, Eat-in Kitchen, High Ceilings, Primary Bedroom Main Floor, Stone Counters…
Appliances
Dishwasher, Gas Water Heater, Microwave, Range, Refrigerator

Exterior & lot

Lot size
27,177 sqft (0.62 ac)
Pool
Yes
Waterfront
Yes
Roof
Shingle
Construction
Block, Stucco

Parking

Garage
3 spaces

Financial

HOA dues
$1,000 / annually
Annual tax
$7,064 (2025)
Price / sqft
$278/sqft

Utilities

Water
Public
Sewer
Public Sewer
Utilities
Cable Connected, Electricity Connected, Sewer Connected, Water Connected

Property

Property type
Single Family
Year built
2002
Subdivision
HART LAKE HILLS PH 01
County
Polk

Assigned schools

Elementary
Chain O Lakes Elem
Middle
McLaughlin Academy Of Excellence
High
Mclaughlin Academy Of Excellence

Listing

Status
Active
Days on market
Today
MLS #
MFR804534834
Source
Stellar MLS

Listed by Michael Stone · THE STONES REAL ESTATE FIRM

Listing data provided by Stellar MLS. Information deemed reliable but not guaranteed.

Estimate your monthly cost

PITI + HOA
Estimated monthly payment$4,207/mo
Principal & interest
$3,535/mo
Property tax
$589/mo
Home insurance
Left out until you enter a quote
HOA dues
$83/mo

Opens at 20% down over 30 years at 6.5%, the same assumptions as the answers below. Property tax is this listing's own 2025 bill. Insurance is left out until you enter a quote, because Florida premiums turn on roof age, elevation and carrier. Every field is editable.

Ask about this property

Answered from this listing’s own figures and the sales around it.

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Price history

From the property’s MLS record.

DateEventPriceChange
Sep 4, 2026Listed$699,000

Neighbourhood

The schools below come from the MLS record for this home. Walking, transit and cycling figures for WINTER HAVEN, FL are not connected yet, so this page does not show them.

Elementary school
Chain O Lakes Elem
Assigned school from the MLS record
Middle school
McLaughlin Academy Of Excellence
Assigned school from the MLS record
High school
Mclaughlin Academy Of Excellence
Assigned school from the MLS record