103 Ellen Ct, Winter Haven, FL 33884 Property Records

Polk County property record for 103 Ellen Ct, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,247 sqft · built 1978
Lot Size	0.498 acres (21,675 sqft)
Owner	2 Individual Names on Record
Last Sale	$272,000 (Dec 2022)
Tax Bill	$2,426 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-09-687020-000070`

Property Details

APN / Parcel Number

Primary APN	`26-29-09-687020-000070`
Alternative APNs	`092926687020000070` `92926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,247 sqft Living Area
Gross Area	1,606 sqft
1st Floor Area	1,247 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	21,675 sqft (0.498 acres)
Lot Dimensions	138 ft deep x 156 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	359 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	388 sqft
Patio Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	103 ELLEN CT
City	WINTER HAVEN
State	FL
Zip	33884-2806
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OVERLOOK SUB PB 66 PG 21 LOT 7
Legal Range	26E
Legal Township	29S
Legal Section	09
Legal Subdivision	OVERLOOK SUBDIVISION
Legal Tract	687020
Legal Block	1
Legal Lot Number	7
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1049
Census Tract	14600

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 Record	2 Individual Names on Record
Mailing Address	103 ELLEN CT, WINTER HAVEN, FL 33884-2806
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2022	Warranty Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP
Feb 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2022 · Amount on Record
Deed Sale	Dec 6, 2022 · Amount on Record
Prior Sale	Jun 11, 1999 · Amount on Record
Deed Document Number	2022315094
Deed Book / Page	12507 / 1240
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 6, 2022
Property Address	103 ELLEN CT, WINTER HAVEN, FL 33884-2806
Document Number	0000315094
Book / Page	12507 / 1240
Map Reference	MB 66 PG 21
Instrument Date	Nov 30, 2022
Instrument	2022315094
Transaction Type	Transfer
Record Updated	Dec 19, 2022
Title Company	SMART TITLE II LLC, SMART TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,904.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2114 MATHIS DR, VALDOSTA, GA 31602-2803

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	781 DEVONWOOD CT, LAKELAND, FL 33801

Mortgage

Document Number	0125071242
Date	Dec 6, 2022
Instrument	12507/1242

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	103 ELLEN CT, WINTER HAVEN, FL 33884-2806
Document Number	0100761705
Book / Page	010076 / 001705
Instrument Date	Feb 21, 2017
Transaction Type	Mortgage
Record Updated	Jun 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 ELLEN CT WINTER HAVEN FL 338842806, WINTER HAVEN, FL 33884-2806

Mortgage

Document Number	0100761705
Date	Feb 27, 2017
Book Page	010076/001705
Instrument	38442

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 26, 2032

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$224,085 (+0.24%) Land $44,000 Building $180,085	$224,085 (+0.24%) Land $44,000 Building $180,085
2025	$2,426.00 (-18.23%)	$223,549 (-0.06%) Land $44,000 Building $179,549	$223,549 (-0.06%) Land $44,000 Building $179,549
2023	$2,967.00 (+177.03%) Homeowner's exemption	$223,692 (+164.02%) Land $42,000 Building $181,692	$223,692 (+6.67%) Land $42,000 Building $181,692
2022	$1,071.00 Homeowner's exemption	$84,727	$209,697 Land $35,000 Building $174,697

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	3 (2004–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Frances, Sep 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 Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 282 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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