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644 Hart Lake Dr, Winter Haven, FL, 33884

$278/sqft·Hart Lake Hills Ph 01

4 bd3 ba2,511 sqft3 car garageSingle Family
Listed by THE STONES REAL ESTATE FIRM· Last updated · MLS# L4964782

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Est. monthly payment
$4,667/mo
Down payment (20%)
$139,800
Property taxes
$589/mo
HOA
$1,000/yr
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 2002
Waterfront
Lake Front
Private pool
Gunite
3 car garage
Driveway
0.62 acres
Lot size

About this home

Ceiling Fans(s)Crown MoldingEat-in KitchenHigh CeilingsPrimary Bedroom Main FloorStone CountersWalk-in Closet(s)Gated Community - No Guard

644 Hart Lake Dr is a 2002-built home in Hart Lake Hills Ph 01, Winter Haven. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,511 square feet of living space. Listed at $699,000 (about $278/sqft), 6 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $1,000 annually.

From the listing

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.

The essentials

Built
2002
Price / sqft
$278
On market
7 days
Annual tax
$7,064
HOA
$1,000/yr
Flood zone
X · Low risk
Lot
27,177 sqft
Type
Single Family Residence

Location

644 Hart Lake Dr
Winter Haven, FL, 33884·33884 - Winter Haven / Cypress Gardens
Type
Single Family Residence
Year Built
2002
Lot
27,177 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener
Pool
Gunite, In Ground, Salt Water, Screen Enclosure
Waterfront
Lake Front
Days on Market
7
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
High Ceilings
Primary Bedroom Main Floor
Stone Counters
Walk-in Closet(s)
Gated Community - No Guard
Dishwasher
Gas Water Heater
Microwave
Range
Refrigerator

Elementary

Chain O Lakes Elem

Middle

McLaughlin Academy Of Excellence

High

Mclaughlin Academy Of Excellence

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X

Annual Tax (2025)

$7,064

Parcel #

26-29-24-690592-000190

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Hart Lake Hills Ph 01

County

Polk

MLS Area

33884 - Winter Haven / Cypress Gardens

Lot Size

27,177 sqft

In CountyPaved
HOA
$1,000/yr
Hart Lake Hills HOA
Date
Event
Price
9/4/2026
Listed for sale
Source: Stellar MLS #L4964782
$699,000
$278/sqft
Est. monthly payment$4,667/mo
Principal & interest$3,646
Property taxes$589
Insurance$350
HOA$83
Down payment20% · $139,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $699,000
$695,000 – $699,000
99.5% – 100% of listTops out right at the list price
80% of listList price
157 of the last 248 home closings in 33884 landed at this number or higher (63%). The median one sat 39 days before it went under contract, and this one is on day 7.

Sample: 248 closed home sales in 33884 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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