Eric Chery
$699,950$799,9004 bd3 ba2,397 sqft$292 /sqft$5,103 /mo all-in ↓

3050 CRUMP ROAD, WINTER HAVEN, FL, 33881

Active178 days on marketListed Feb 2, 2026MLS #L4959091

Reduced $100KWaterfrontPrivate poolSingle Family ResidenceMAGNOLIA SHORES

About this home

3050 CRUMP ROAD

**Seller is MOTIVATED**Major Price Improvement** Welcome to this exceptional lakefront property at 3050 Crump Rd in Winter Haven, offering space, versatility, and direct access to the lifestyle Central Florida is known for. Situated on approximately 1.08 acres along Lake Hamilton, this residence combines a thoughtfully updated main home with a private guest studio, outdoor living, and boating amenities. The main home features three bedrooms and two bathrooms with an open and functional layout. A bonus room with built in entertainment cabinetry and surround sound opens through double sliding doors to the pool deck, creating seamless indoor-outdoor living. The living room showcases beautiful wood beams, a wood burning brick fireplace, and triple sliding glass doors overlooking the pool and lake. Tile flooring runs throughout the main living areas, with wood flooring in the bedrooms. The kitchen is designed for everyday living and entertaining, featuring granite countertops, updated cabinetry with pullouts, a large island, built in desk space, wine refrigerator, stainless steel appliances, and a built-in oven/microwave combination. A separate guest studio apartment adds flexibility, complete with a kitchenette and triple sliding glass doors leading directly to the pool area. This space is ideal for guests, extended household needs, or flexible use. Outdoor features include a screened pool with new heater and an 8-foot depth, a spa that conveys, and a gas fireplace on the patio with underground piping in place (propane tank has been removed, but can easily be replaced by the new homeowner). The pool screen was recently replaced. The property includes a private boat dock and lift, allowing easy access to Lake Hamilton and nearby lakefront restaurants by water. Additional highlights include fruit trees in the front yard, RV parking for up to 31 feet with additional storage space, and a metal roof. Practical upgrades and systems include a new air conditioning system installed July 2024 with annual maintenance, water softener, well for irrigation, public water for the home, an inside laundry room, and a 2-car garage. The hot water heater was installed in 2011. Septic service was last completed June 2023. Solar panels are leased at $381.75 per month, with an average Duke Energy bill of approximately $30 per month. Televisions in the main living areas convey, excluding bedrooms. This lakefront retreat offers privacy, functionality, and a connection to the water, all set along beautiful winding roads in a peaceful Winter Haven setting.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,397

Sqft

1.08 ac

Lot size

2

Garage

1982

Year built

One

Levels

$292

Per sqft

Private poolWaterfrontFireplaceWater view

Inside

FlooringTile · Hardwood
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Electric Water Heater · Microwave · Range Hood · Refrigerator · Water Softener · Wine Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Skylight(s) · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air · Mini-Split Unit(s)
HeatingCentral · Electric · Solar

Outside & construction

RoofMetal
ConstructionWood Frame · Wood Siding
FoundationSlab
ViewWater
FacesSouth
ParkingBoat · Driveway · Garage Door Opener · Garage Faces Side · RV Carport · RV Parking
ExteriorFire Pit · Irrigation System · Private Mailbox · RV Hookup · Sliding Doors · Storage

Community & fees

Taxes (2025)$10,845/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Phone Available · Public · Solar · Sprinkler Well · Water Connected
WaterCanal/Lake For Irrigation · Public

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$5,103 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,777
PMI (est., until 20% equity)$262
Property tax — 2025 actual bill$904
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $69,995Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $69,995
Interest rate6.00%
Loan term

Estimated payment

$5,103/mo

Principal & interest$3,777
PMI (est., until 20% equity)$262
Property taxes (actual bill)$904
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $700K
$494KedgeAI estimate $521,624 · range $515K$539K$728K

vs edgeAI estimate

+34.2%

$/sqft vs Winter Haven actives

$292 vs $171

Days on market

178 vs 42 typical

Where $292/sqft sits among the 400 Winter Haven actives

62
104
151
51
16
16 · this home
$102–134$134–165$165–197$197–229$229–260$260+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Winter Haven

Map of 3050 CRUMP ROAD

Drive times from this address

Walt Disney World36 min
Universal Orlando46 min
Downtown Orlando52 min
Orlando Int’l Airport (MCO)57 min
Downtown Tampa71 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Winter Haven. See the full Winter Haven guide →

WINTER HAVEN 33881 — neighborhood snapshot

Population

39,189

Median age

43.6

Median income

$53,867

Median home value

$177,400

Avg household

2.61

Households w/ children

3,730

For the school run

Polk County School District

MiddleLake Alfred Polytech Academy★★★★
ElementaryFred G. Garner Academy★★★★
HighWinter Haven Senior High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Winter Haven market

Seller’s marketBalanced6.5 months of inventoryBuyer’s market

$285K$287K

Winter Haven median sold, yr/yr

97.3%

Sale-to-list ratio (12 mo)

189 of 400

Winter Haven actives have cut their price

Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 186% above the WINTER HAVEN 33881 median. See the full Winter Haven market guide →

Paper trail

This home's history

CurrentPrice reduced to $699,950 $100K
Feb 2, 2026Listed at $799,900 · 178 days on market since
1982Built · MAGNOLIA SHORES

Reality check

What actually sold near 3050 CRUMP ROAD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3350 CRUMP ROADSold · Dec ’25

$550,000

3350 CRUMP ROAD · same community

2 bd · 3.5 ba · 2,387 sqft · $230/sqft · 17 DOM

10480 SE 101ST AVENUE ROADSold · Feb ’26

$459,000

10480 SE 101ST AVENUE ROAD · same community

3 bd · 2.5 ba · 2,229 sqft · $206/sqft · 154 DOM

10170 SE 106TH LANESold · Apr ’26

$350,000

10170 SE 106TH LANE · same community

3 bd · 2 ba · 2,668 sqft · $131/sqft · 50 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Eric Chery

Your agent

Eric Chery

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3050 CRUMP ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3050 CRUMP ROAD — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Eric's phone and CRM.

Goes straight to Eric’s phone and CRM.

Straight answers

3050 CRUMP ROAD FAQs

What would the monthly payment be for 3050 CRUMP ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,103/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 3050 CRUMP ROAD?+

The most recent tax bill on record (2025) was $10,845. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Winter Haven?+

At $699,950, this home is listed about 146% above the Winter Haven median of $285,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3050 CRUMP ROAD?+

Lake Alfred Polytech Academy (middle), Fred G. Garner Academy (elementary), Winter Haven Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$699,950 runs 186% above the WINTER HAVEN 33881 median — but at 2,397 sqft it's also 45% larger than the typical Winter Haven listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

178 days on market against a Winter Haven median of 42 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $799,900, now $699,950 — a $100K cut. The full history is in the market section below.

Listing courtesy of ENGEL & VOELKERS LAKELAND · Lisa Matheny. MLS #L4959091.

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 is deemed reliable but is not guaranteed accurate by Stellar MLS.

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