Polk County property record for 103 Lake Ring Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,456 sqft · built 2019 |
| Lot Size | 0.198 acres (8,607 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $280,000 (Dec 2025) |
| Tax Bill | $2,334 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Dec 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-34-662000-003522 |
| Primary APN | 26-28-34-662000-003522 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,456 sqft Living Area |
| Gross Area | 1,896 sqft |
| 1st Floor Area | 1,456 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 8,607 sqft (0.198 acres) |
| Lot Dimensions | 150 ft deep x 60 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 147 sqft |
| Street Address | 103 LAKE RING DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-1440 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ELOISE WOODS LAKE MARIAM UNIT PB 17 PG 49 49A 49B LOT 352 LESS W 2 FT |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 34 |
| Legal Subdivision | ELOISE WOODS LAKE MARIAM UNIT |
| Legal Block | 2 |
| Legal Lot Number | 352 |
| Legal Unit | PB |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 13902 |
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 LAKE RING DR, WINTER HAVEN, FL 33884-1440 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Dec 2, 2025 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Dec 4, 2019 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage HOME SOLUTION LENDERS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 2, 2025 · Amount on Record |
| Deed Sale | Dec 2, 2025 · Amount on Record |
| Prior Sale | Dec 4, 2019 · Amount on Record |
| Deed Document Number | 2025282148 |
| Deed Book / Page | 13795 / 494 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 2, 2025 |
| Property Address | 103 LAKE RING DR, WINTER HAVEN, FL 33884-1440 |
| Document Number | 0000282148 |
| Book / Page | 13795 / 494 |
| Map Reference | MB 17 PG 49,49A&49B |
| Instrument Date | Nov 25, 2025 |
| Instrument | 2025282148 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,960.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 103 LAKE RING DR, WINTER HAVEN, FL 33884-1440 |
| Name | Verified Name |
|---|---|
| Address | 103 LAKE RING DR, WINTER HAVEN, FL 33884-1440 |
| Document Number | 0013795496 |
|---|---|
| Date | Dec 2, 2025 |
| Instrument | 13795/496 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 4, 2019 |
| Property Address | 103 LAKE RING DR, WINTER HAVEN, FL 33884-1440 |
| Document Number | 0110620736 |
| Book / Page | 011062 / 000736 |
| Instrument Date | Nov 27, 2019 |
| Instrument | 256333 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 28, 2019 |
| Title Company | INSURED R/E TITLE SERVICES, INSURED R/E TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,378.51 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 103 LAKE RING DR WINTER HAVEN FL 338841440, WINTER HAVEN, FL 33884-1440 |
| Document Number | 110620737 |
|---|---|
| Date | Dec 4, 2019 |
| Book Page | 011062/000737 |
| Instrument | 256334 |
| Name | HOME SOLUTION LENDERS |
|---|---|
| Type | Funding / Finance Company |
| Address | BARTOW, FL 33830 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 3, 2049 |
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 | $215,238 (-0.61%) Land $34,447 Building $180,791 | $215,238 (-0.61%) Land $34,447 Building $180,791 | |
| 2025 | $2,334.00 (-24.1%) Homeowner's exemption | $216,549 (-3.73%) Land $32,725 Building $183,824 | $216,549 (-3.73%) Land $32,725 Building $183,824 |
| 2024 | $3,075.00 (+3.12%) Homeowner's exemption | $224,946 (-0.44%) Land $32,725 Building $192,221 | $224,946 (-4.81%) Land $32,725 Building $192,221 |
| 2023 | $2,982.00 (+2.79%) Homeowner's exemption | $225,929 (+3%) | $236,324 (+7.74%) Land $31,864 Building $204,460 |
| 2022 | $2,901.00 Homeowner's exemption | $219,349 Land $26,697 Building $192,652 | $219,349 Land $26,697 Building $192,652 |
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 25 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 25 in force |
| Nearby Flood Claims | 2 (2004) |
| Most Recent Claim | Sep 2004 · Hurricane Frances |
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 97% of the US · lower than 96% 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 | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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