1069 Cambridge Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 1069 Cambridge Dr, Winter Haven, FL 33881 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2021
Square Footage	2,696 sqft Living Area
Lot Size	5,502 sqft (0.126 acres)
Occupancy	Owner Occupied
Last Sale	$281,990 (2021)
Tax Bill	$4,380.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522103-000540`
Alternative APNs	`022826522103000540` `22826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,696 sqft Living Area
Gross Area	3,136 sqft Gross Area
1st Floor	1,128 sqft 1st Floor
Upper Floors	1,568 sqft Upper Floors
Stories	2 Stories

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Stucco Exterior
Construction Type	Concrete Blocks Construction
Roof Construction	Hip Roof Construction
Roof Material	Other (not Classified) Roof
Lot Area	5,502 sqft (0.126 acres)
Garage Type	Attached Garage
Garage Area	440 sqft Garage

Location & Zoning

Street Address	1069 CAMBRIDGE DR
City	WINTER HAVEN
State	FL
Zip	33881-9741
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LUCERNE PARK RESERVE PB 176 PGS 43-49 LOT 54
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE PARK RESERVE
Legal Block	2
Legal Lot Number	54
Jurisdiction	POLK FL
Minor Civil Division	WINTER HAVEN-AUBURNDALE
Census Blockgroup	2
Census Block	2019
Census Tract	12804

Owner

Source: Polk County records · APN 26-28-02-522103-000540

Assessment roll updated July 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1069 CAMBRIDGE DR, WINTER HAVEN, FL 33881-9741
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 09, 2021 · Amount on Record
Deed Sale	Jul 09, 2021 · Amount on Record
Deed Doc Number	2021178020
Deed Book / Page	11795 / 357
Record Refreshed	Sep 20, 2026

July 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 09, 2021
Property Address	1069 CAMBRIDGE DR, WINTER HAVEN, FL 33881-9741
Document Number	0000178020
Book / Page	11795 / 357
Map Reference	MB 176 PG 43-49
Instrument Date	Jun 30, 2021
Instrument	2021178020
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 23, 2023
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,974.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10192 DOWDEN RD, ORLANDO, FL 32832-5128

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1069 CAMBRIDGE DR, WINTER HAVEN, FL 33881-9741

Mortgage

Document Number	0011795358
Date	Jul 09, 2021
Instrument	11795/358

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2051

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,380.00 (-36.86%) Homeowner's exemption	$277,705 (+5.99%)	$290,775 (-6.09%) Land $50,000 Building $240,775
2024	$6,937.00 (+1.57%)
2023	$6,830.00 (+1.68%) Homeowner's exemption	$262,018 (+3%)	$309,632 (+21.72%) Land $48,000 Building $261,632
2022	$6,717.00 Homeowner's exemption	$254,386 Land $40,000 Building $214,386	$254,386 Land $40,000 Building $214,386

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Moderate above 69% of the US · above 49% of Florida
Wildfire Likelihood	About 1 in 510 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.