Polk County property record for 105 Lake Ring Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,612 sqft · built 1926 |
| Lot Size | 0.212 acres (9,217 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $274,900 (Jul 2023) |
| Tax Bill | $2,206 (2025) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Sep 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-34-662000-003510 |
| Primary APN | 26-28-34-662000-003510 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,612 sqft Living Area |
| 1st Floor Area | 1,612 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 9,217 sqft (0.212 acres) |
| Lot Dimensions | 142 ft deep x 60 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Carport |
| Garage Area | 1,926 sqft |
| Carport | Carport |
| Carport Area | 1,926 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 112 sqft |
| Street Address | 105 LAKE RING DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-1440 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | ELOISE WOODS LAKE MARIAM UNIT PB 17 PG 49 49A 49B LOT 351 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 34 |
| Legal Subdivision | ELOISE WOODS LAKE MARIAM UNIT |
| Legal Tract | 662000 |
| Legal Block | 2 |
| Legal Lot Number | 351 |
| 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 | 105 LAKE RING DR, WINTER HAVEN, FL 33884-1440 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 31, 2023 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 13, 2021 | Warranty Deed, Transfer · Balloon Mortgage CAPITAL FUNDINGS LLC |
| Mar 30, 2020 | Deed of Trust, Mortgage · Line of Credit LENDAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 31, 2023 · Amount on Record |
| Deed Sale | Jul 31, 2023 · Amount on Record |
| Prior Sale | Sep 13, 2021 · Amount on Record |
| Deed Document Number | 2023178036 |
| Deed Book / Page | 12783 / 441 |
| Prior Transfer Date | Aug 21, 2007 |
| Prior Transfer Doc | 0074020062 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 31, 2023 |
| Property Address | 105 LAKE RING DR, WINTER HAVEN, FL 33884-1440 |
| Document Number | 0000178036 |
| Book / Page | 12783 / 441 |
| Map Reference | MB 17 PG 49 |
| Instrument Date | Jul 20, 2023 |
| Instrument | 2023178036 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 21, 2023 |
| Title Company | SMART INTERNATIONAL TITLE LLC, SMART INTERNATIONAL TTL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,924.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 537 SHERBURN CT, ORLANDO, FL 32828-9018 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 105 LAKE RING DR, WINTER HAVEN, FL 33884-1440 |
| Document Number | 0012783443 |
|---|---|
| Date | Jul 31, 2023 |
| Instrument | 12783/443 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 13, 2021 |
| Property Address | 105 LAKE RING DR, WINTER HAVEN, FL 33884-1440 |
| Document Number | 0000237331 |
| Book / Page | 11887 / 1454 |
| Map Reference | MB 17 PG 49 |
| Instrument Date | Sep 3, 2021 |
| Instrument | 2021237331 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2021 |
| Title Company | PCS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,106.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13522 NW 160TH AVE, 13522, MORRISTON, FL 32668-7009 |
| Name | Verified Name |
|---|---|
| Address | 537 SHERBURN CT, ORLANDO, FL 32828-9018 |
| Document Number | 0118871455 |
|---|---|
| Date | Sep 13, 2021 |
| Instrument | 11887/1455 |
| Name | CAPITAL FUNDINGS LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Oct 1, 2022 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 105 LAKE RING DR, WINTER HAVEN, FL 33884-1440 |
| Document Number | 0111981494 |
| Instrument Date | Mar 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 105 LAKE RING DR WINTER HAVEN FL 338841440, WINTER HAVEN, FL 33884-1440 |
| Document Number | 0111981494 |
|---|---|
| Date | Apr 6, 2020 |
| Book Page | 011198/001494 |
| Instrument | 74062 |
| Name | LENDAGE LLC |
|---|---|
| Address | PO BOX 2026, FLINT, MI 48501-2026 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 5, 2030 |
| Rate Type | Adjustable Rate |
|---|
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 | $210,415 (+1.69%) Land $36,869 Building $173,546 | $210,415 (+1.69%) Land $36,869 Building $173,546 | |
| 2025 | $2,206.00 (-22.19%) | $206,912 (+18.96%) Land $35,026 Building $171,886 | $206,912 (+18.96%) Land $35,026 Building $171,886 |
| 2023 | $2,835.00 (+3.69%) | $173,933 (+4.63%) Land $34,104 Building $139,829 | $173,933 (+4.63%) Land $34,104 Building $139,829 |
| 2022 | $2,734.00 | $166,230 Land $28,574 Building $137,656 | $166,230 Land $28,574 Building $137,656 |
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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