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10 Apple Tree Ln, Winter Haven, FL 33884 Property Records

Polk County property record for 10 Apple Tree Ln, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,491 sqft · built 1997
Lot Size5.01 acres (218,292 sqft)
Owner2 Company Names on Record
Last Sale$615,000 (Apr 2026)
Tax Bill$2,288 (2025)
Deeds & MortgagesMay 2026 Sale
Apr 2026 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN26-29-23-690590-000100

Property Details

APN / Parcel Number

Primary APN26-29-23-690590-000100
Alternative APNs
  • 232926690590000100
  • 32926000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,491 sqft Living Area
Gross Area3,063 sqft
1st Floor Area2,491 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 1997
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area218,292 sqft
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area572 sqft

Exterior Amenities

Pool TypeEnclosed Pool
Pool Area392 sqft
PorchUnfinished Open Porch
Porch Area520 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address10 APPLE TREE LN
CityWINTER HAVEN
StateFL
Zip33884-3401
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSUNDANCE RANCH ESTATES PB 77 PG 28 LOT 10 & A UNDIVIDED SHARE IN PRIVATE ROADS
Legal Range26E
Legal Township29S
Legal Section23
Legal SubdivisionSUNDANCE RANCH ESTATES
Legal Tract690590
Legal Block4
Legal Lot Number10
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group4
Census Block4058
Census Tract14501

Owner

Source: Polk County records, as of September 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Company Names on Record
Mailing Address10 APPLE TREE LN, WINTER HAVEN, FL 33884-3401
Owner TypeCompany
VestingLife Tenant

Deeds, Mortgages & Sale History

DateDocument
May 22, 2026Warranty Deed, Transfer
NONE LISTED ON DOCUMENT
Apr 28, 2026Warranty Deed, Transfer · Conventional Mortgage
GUARANTEED RATE
Aug 28, 2019Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 28, 2026 · Amount on Record
Deed SaleApr 28, 2026 · Amount on Record
Prior SaleJun 19, 1995 · Amount on Record
Deed Document Number202699561
Deed Book / Page13973 / 837
Prior Transfer DateAug 23, 2019
Prior Transfer Doc0109550067
Record UpdatedOct 29, 2026

May 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMay 22, 2026
Property Address10 APPLE TREE LN, WINTER HAVEN, FL 33884-3401
Document Number0000122123
Book / Page14008 / 786
Instrument DateMay 4, 2026
Instrument2026122123
Transaction TypeTransfer
Record UpdatedAug 29, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Tenant
Address10 APPLE TREE LN, WINTER HAVEN, FL 33884-3401

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateApr 28, 2026
Property Address10 APPLE TREE LN, WINTER HAVEN, FL 33884-3401
Document Number0000099561
Book / Page13973 / 837
Instrument DateApr 21, 2026
Instrument202699561
Transaction TypeTransfer
Record UpdatedJul 6, 2026
Title CompanyINTEGRITY FIRST TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$434,805.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address10 APPLE TREE LN, WINTER HAVEN, FL 33884-3401

Mortgage

Document Number0000099562,
DateApr 28, 2026
Instrument202699562
Lender
NameGUARANTEED RATE
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 1, 2056
Interest
Rate TypeFixed Rate
Rate6.11%
Initial TypeFixed Rate
Max Rate-1%

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateAug 28, 2019
Property Address10 APPLE TREE LN, WINTER HAVEN, FL 33884-3401
Document Number0109550067
Book / Page010955 / 000067
Instrument DateAug 23, 2019
Instrument181970
Transaction TypeTransfer
Record UpdatedSep 10, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$0.70

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address10 APPLE TREE LN WINTER HAVEN FL 338843401, WINTER HAVEN, FL 33884-3401

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$401,398 (+84.81%) Land $85,000 Building $316,398$401,398 (+0.38%) Land $85,000 Building $316,398
2025$2,288.00 (-19.29%) Homeowner's exemption$217,194 (+5.99%)$399,868 (-1.61%) Land $85,000 Building $314,868
2024$2,835.00 (+7.31%)
2023$2,642.00 (+3.2%) Homeowner's exemption$204,925 (+3%)$406,399 (+13.25%) Land $82,000 Building $324,399
2022$2,560.00 Homeowner's exemption$198,956$358,861 Land $68,200 Building $290,661

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 97 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies97 in force
Nearby Flood Claims8 (2004–2022)
Claims Outside the SFHA4 of 8
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Sep 2022 · 2 claims
  • Hurricane Frances, Sep 2004 · 2 claims
  • Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskHigh
above 72% of the US · above 56% of Florida
Wildfire Likelihood0.5% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		5,000 / 5,000

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