104 Buchanan Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 104 Buchanan Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,596 sqft · built 1973
Lot Size	0.275 acres (11,996 sqft)
Owner	Individual Name on File
Last Sale	$279,000 (Sep 2020)
Tax Bill	$4,026 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Aug 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-35-662640-001601`

Property Details

APN / Parcel Number

Primary APN	`26-28-35-662640-001601`
Alternative APNs	`352826662640001601` `52826000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,596 sqft Living Area
Gross Area	3,100 sqft
1st Floor Area	2,596 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	11,996 sqft (0.275 acres)
Lot Dimensions	150 ft deep x 80 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	504 sqft
Pool Area	450 sqft
Porch	Unfinished Open Porch
Porch Area	130 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	104 BUCHANAN DR
City	WINTER HAVEN
State	FL
Zip	33884-2201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ELOISE WOODS EAST LAKE FLORENCE UNIT PB 17 PG 47 IN S35 T28 R26 N 50 FT OF LOTS 160 & 161 AND N 50 FT OF W 30 FT OF 162 & S 30 FT OF 181
Legal Range	26E
Legal Township	28S
Legal Section	35
Legal Subdivision	ELOISE WOODS EAST LAKE FLORENCE UNIT
Legal Tract	662640
Legal Block	1
Legal Lot Number	160,1
Legal Unit	PB
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1033
Census Tract	14001

Owner

104 Buchanan Dr is owned and occupied by an individual who bought it in September 2020.

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 File
Mailing Address	104 BUCHANAN DR, WINTER HAVEN, FL 33884-2201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2024	Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC
Aug 21, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Feb 9, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 10, 2022	Deed of Trust, Mortgage · FHA Mortgage RUSHMORE LOAN MANAGEMENT SERVICES LLC
Sep 30, 2020	Warranty Deed, Transfer · FHA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2020 · Amount on File
Deed Sale	Sep 30, 2020 · Amount on File
Deed Document Number	2020204240
Deed Book / Page	11394 / 369
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	104 BUCHANAN DR, WINTER HAVEN, FL 33884-2201
Transaction Type	Mortgage
Record Updated	Feb 26, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 BUCHANAN DR, WINTER HAVEN, FL 33884-2201

Mortgage

Document Number	0000034740
Date	Feb 13, 2024
Book Page	13006/480
Instrument	2024034740

Lender

Name	LOANCARE LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23453

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	320 Months
Due	Oct 1, 2050

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	104 BUCHANAN DR, WINTER HAVEN, FL 33884-2201
Transaction Type	Mortgage
Record Updated	Sep 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 BUCHANAN DR, WINTER HAVEN, FL 33884-2201

Mortgage

Document Number	0000196160
Date	Aug 21, 2023
Book Page	12808/1128
Instrument	2023196160

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WINTER HAVEN, FL 33884

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	326 Months
Due	Oct 1, 2050

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	104 BUCHANAN DR, WINTER HAVEN, FL 33884-2201
Transaction Type	Mortgage
Record Updated	Feb 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 BUNCHANAN DR, WINTER HAVEN, FL 33884-2201

Mortgage

Document Number	0000031701
Date	Feb 9, 2023
Book Page	12578/780
Instrument	2023031701

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	332 Months
Due	Oct 1, 2050

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	104 BUCHANAN DR, WINTER HAVEN, FL 33884-2201
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 BUCHANAN DR, CYPRESS GARDENS, FL 33884-2201

Mortgage

Document Number	0000217123
Date	Aug 10, 2022
Book Page	12373/2096
Instrument	2022217123

Lender

Name	RUSHMORE LOAN MANAGEMENT SERVICES LLC
Type	Lending Institution
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	338 Months
Due	Oct 1, 2050

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 30, 2020
Property Address	104 BUCHANAN DR, WINTER HAVEN, FL 33884-2201
Document Number	0113940369
Book / Page	011394 / 000369
Instrument Date	Sep 25, 2020
Instrument	204240
Transaction Type	Transfer
Record Updated	Oct 22, 2020
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,953.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 BUCHANAN DR WINTER HAVEN FL 338842201, WINTER HAVEN, FL 33884-2201

Mortgage

Document Number	113940371
Date	Sep 30, 2020
Book Page	011394/000371
Instrument	204241

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 29, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 104 Buchanan Dr was $4,026.

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		$301,469 (-0.76%) Land $40,198 Building $261,271	$301,469 (-0.76%) Land $40,198 Building $261,271
2025	$4,026.00	$303,788 Land $40,198 Building $263,590	$303,788 Land $40,198 Building $263,590
2023	$4,563.00 (+4.78%)	$324,134 (+1.47%) Land $39,198 Building $284,936	$324,134 (+1.47%) Land $39,198 Building $284,936
2022	$4,355.00	$319,435 Land $32,998 Building $286,437	$319,435 Land $32,998 Building $286,437

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 104 Buchanan Dr in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1979.

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 File median of 43 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	134 units insured incl. 91 condo units
Nearby Flood Claims	22 (1979–2022)
Claims Outside the SFHA	4 of 22
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 11 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

Wildfire risk around 104 Buchanan Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 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.

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 130 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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