Polk County property record for 1020 Mockingbird Cir, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,818 sqft · built 1976 |
| Lot Size | 0.227 acres (9,901 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $190,000 (Aug 2017) |
| Tax Bill | $1,825 (2025) |
| Deeds & Mortgages | Oct 2023 Second Mortgage Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-01-663510-000060 |
| Primary APN | 26-29-01-663510-000060 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,818 sqft Living Area |
| Gross Area | 2,368 sqft |
| 1st Floor Area | 1,818 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 9,901 sqft (0.227 acres) |
| Lot Dimensions | 110 ft deep x 90 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 550 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 512 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 160 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 1020 MOCKINGBIRD CIR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2579 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | GARDEN GROVE SOUTH PB 63 PG 1 LOT 6 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 01 |
| Legal Subdivision | GARDEN GROVE SOUTH PHASE 1 AND 2 |
| Legal Tract | 663510 |
| Legal Block | 2 |
| Legal Lot Number | 6 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 14001 |
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1020 MOCKINGBIRD CIR, WINTER HAVEN, FL 33884-2579 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 26, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Aug 29, 2017 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE FIRM |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 29, 2017 · Amount on Record |
| Deed Sale | Aug 29, 2017 · Amount on Record |
| Prior Sale | Sep 26, 2011 · Amount on Record |
| Deed Document Number | 2017166937 |
| Deed Book / Page | 10247 / 295 |
| Prior Transfer Date | Aug 12, 2011 |
| Prior Transfer Doc | 0000138177 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1020 MOCKINGBIRD CIR, WINTER HAVEN, FL 33884-2579 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1020 MOCKINGBIRD CIR, WINTER HAVEN, FL 33884-2579 |
| Document Number | 0000254626 |
|---|---|
| Date | Oct 26, 2023 |
| Book Page | 12889/391 |
| Instrument | 2023254626 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 23, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 29, 2017 |
| Property Address | 1020 MOCKINGBIRD CIR, WINTER HAVEN, FL 33884-2579 |
| Document Number | 0102470295 |
| Book / Page | 010247 / 000295 |
| Instrument Date | Aug 25, 2017 |
| Instrument | 166937 |
| Transaction Type | Transfer |
| Record Updated | Sep 13, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,330.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1020 MOCKINGBIRD CIR WINTER HAVEN FL 338842579, WINTER HAVEN, FL 33884-2579 |
| Document Number | 102470297 |
|---|---|
| Date | Aug 29, 2017 |
| Book Page | 010247/000297 |
| Instrument | 166938 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 28, 2047 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $186,295 (+2.7%) | $279,575 (+3.26%) Land $35,000 Building $244,575 | |
| 2025 | $1,825.00 (-17.57%) Homeowner's exemption | $181,397 (+5.99%) | $270,744 (+1.71%) Land $35,000 Building $235,744 |
| 2023 | $2,214.00 (+3.51%) Homeowner's exemption | $171,150 (+3%) | $266,200 (+7.46%) Land $34,000 Building $232,200 |
| 2022 | $2,139.00 Homeowner's exemption | $166,165 | $247,715 Land $28,000 Building $219,715 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 3 (2017–2022) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2021 |
| Lead | 7 ppb (2023) action level 15 ppb |
| Water Quality | E. coli resolved · Sep 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 16 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.
Source: FCC Broadband Data Collection, based on 308 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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