644 HART LAKE DRIVE
WINTER HAVEN, FL 33884
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- 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.
Similar homes nearby
Homes for sale in WINTER HAVEN within the same price band.
Price history
From the property’s MLS record.
| Date | Event | Price | Change |
|---|---|---|---|
| Sep 4, 2026 | Listed | $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.
