Active - House for sale

644 HART LAKE DRIVE, Winter Haven, FL

4 bds|3 bth|2,511 sqft

Facts & features

House Property type
5 days on Beycome
2002 Year built
$278 Price/Sqft.
3 car garage Parking
$1,000/mo HOA
27,177 sqft Lot size

Why you’ll love it

  • Waterfront
  • Pool
  • Stainless steel
  • Quartz counters
  • Granite counters

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.

Translating description...

Listings courtesy of THE STONES REAL ESTATE FIRM as distributed by MLS GRID.

Listed by: Michael Stone • info@soldbystones.com • THE STONES REAL ESTATE FIRM

Co-listed by: Deanna Stone • THE STONES REAL ESTATE FIRM

Source: Stellar MLS as distributed by MLS GRID, MLS#: L4964782 Stellar MLS as distributed by MLS GRID logo

Based on information as of Jun 01, 2026 at 02:21pm EDT.

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Affordability

$455,000$945,000
1%20%
0%90%
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Estimated monthly payment

$5,123/mo

  • Mortgage$3,535
  • Property tax$589
  • HOA fee
  • Homeowners insurance
Due at closing$555,705
Down payment held in escrow$139,800
Closing costs$10,485
beycome credit Est.$13,980

Beycome estimates only. Actual amounts and terms vary by lender and location.

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Travel times

About Hart Lake Hills Ph 01

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Flood & climate risk

FEMA Flood Zone X

Outside the high-risk Special Flood Hazard Area — flood insurance is usually optional but still worth considering.

More details

Source: FEMA National Flood Hazard Layer. Confirm on the FEMA Flood Map.

Disclaimer

Based on information submitted to the MLS GRID as of Jun 01, 2026 at 02:21pm EDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

$699,000 Listed price

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$13,980 Credit back

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