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109 Sunset Dr E, Winter Haven, FL 33881 Property Records

Polk County property record for 109 Sunset Dr E, Winter Haven, FL 33881 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms1 Baths
Year BuiltBuilt 1995
Square Footage910 sqft Living Area
Lot Size8,364 sqft (0.192 acres)
OccupancyOwner Occupied
Last Sale$180,000 (2023)
Tax Bill$1,748.00 (2025)

Property Details

APN / Parcel Number

Primary APN26-28-16-000000-033100
Alternative APNs
  • 162826000000033100
  • 62826000

Interior

Bedrooms3 Beds
Full Baths1 Baths
Building Area910 sqft Living Area
1st Floor910 sqft 1st Floor
Stories1 Stories
Primary FlooringWood Flooring
Interior StructureWood Interior Structure

Exterior

Year BuiltBuilt 1964
Effective Year BuiltEffective 1995
Exterior MaterialOther Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable Roof Construction
Roof MaterialOther (not Classified) Roof
Lot Area8,364 sqft (0.192 acres)
Depth X Width110 ft x 56 ft Depth x Width
Garage TypeCarport Garage
Garage Area252 sqft Garage
CarportCarport
Carport Area252 sqft Carport
Porch Area76 sqft Porch
Utility Building108 sqft Utility Building

Utilities and HVAC

Cooling SystemCentral Cooling

Location & Zoning

Street Address109 SUNSET DR E
CityWINTER HAVEN
StateFL
Zip33881-1539
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionPORTION OF NW1/4 OF NW1/4 & PORTION OF LOT 18 SUNSET SHORES PB 46 PG 17 ALL BEING DESC AS BEG 50 FT S & 242 FT E OF SW COR OF LOT 17 SUNSET SHORES RUN NELY ALONG CURVE 33.91 FTS 33 DEG 30 MIN E 143.47 FT W 111.2 FT N 110 FT TO POB
Legal Range26E
Legal Township28S
Legal Section16
Legal SubdivisionCHRIS BROWN CEMETERY REPLAT
Legal Tract000000
Legal Block2
Legal Lot Number18
JurisdictionPOLK FL
Minor Civil DivisionWINTER HAVEN-AUBURNDALE
Census Blockgroup2
Census Block2003
Census Tract13601

Owner

Source: Polk County records · APN 26-28-16-000000-033100

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

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

Owner of RecordIndividual Name on File
Mailing Address109 SUNSET DR E, WINTER HAVEN, FL 33881-1539
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Sep 25, 2025Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
LAKEVIEW LOAN SERVICING LLC
Mar 21, 2024Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
UNITED WHOLESALE MORTGAGE
Sep 12, 2023Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
UNITED WHOLESALE MORTGAGE
Oct 06, 2021Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
UNITED WHOLESALE MORTGAGE
Aug 10, 2018Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI)
FAIRWAY INDEPENDENT MTG
Apr 24, 2018Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 12, 2023 · Amount on Record
Deed SaleSep 12, 2023 · Amount on Record
Prior SaleOct 06, 2021 · Amount on Record
Deed Doc Number2023213734
Deed Book / Page12833 / 497
Record RefreshedSep 20, 2026

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address109 SUNSET DR E, WINTER HAVEN, FL 33881-1539
Transaction TypeMortgage
Record UpdatedOct 17, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address109 SUNSET DR E, WINTER HAVEN, FL 33881-1539

Mortgage

Document Number0000225825
DateSep 25, 2025
Book Page13712/1859
Instrument2025225825
Lender
NameLAKEVIEW LOAN SERVICING LLC
TypeMortgage Company
AddressMADISON HEIGHTS, MI 48071
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term336 Months
DueSep 01, 2053

March 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address109 SUNSET DR E, WINTER HAVEN, FL 33881-1539
Transaction TypeMortgage
Record UpdatedApr 03, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address109 SUNSET DR E, WINTER HAVEN, FL 33881-1539

Mortgage

Document Number0000065579
DateMar 21, 2024
Book Page13048/1520
Instrument2024065579
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term354 Months
DueSep 01, 2053

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateSep 12, 2023
Property Address109 SUNSET DR E, WINTER HAVEN, FL 33881-1539
Document Number0000213734
Book / Page12833 / 497
Instrument DateAug 28, 2023
Instrument2023213734
Transaction TypeTransfer
Record UpdatedSep 25, 2023
Title CompanyTHE CLOSING BOUTIQUE LLC, THE CLOSING AGENT LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,260.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address459 MAGPIE CT, KISSIMMEE, FL 34759-4445

Transferred To (Grantee/Buyer)

NameVerified Name
Address1119 SUNSET DR E, WINTER HAVEN, FL 33881

Mortgage

Document Number0012833499
DateSep 12, 2023
Instrument12833/499
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2053

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateOct 06, 2021
Property Address109 SUNSET DR E, WINTER HAVEN, FL 33881-1539
Document Number0000261060
Book / Page11926 / 1179
Instrument DateSep 28, 2021
Instrument2021261060
Transaction TypeTransfer
Record UpdatedAug 02, 2022
Title CompanySMART TITLE II LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$945.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address112 CHRISTIAN ST, 112, PHILADELPHIA, PA 19147-4276

Transferred To (Grantee/Buyer)

NameVerified Name
Address109 SUNSET DR E, WINTER HAVEN, FL 33881-1539

Mortgage

Document Number0119261181
DateOct 06, 2021
Instrument11926/1181
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2051

August 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address109 SUNSET DR E, WINTER HAVEN, FL 33881-1539
Document Number0105890695
Instrument DateAug 10, 2018
Transaction TypeMortgage
Record UpdatedSep 10, 2018
Title CompanyINTEGRITY FIRST TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address112 CHRISTIAN ST PHILADELPHIA PA 191474276, PHILADELPHIA, PA 19147-4276

Mortgage

Document Number0105890695
DateAug 22, 2018
Book Page010589/000695
Instrument179213
Lender
NameFAIRWAY INDEPENDENT MTG
TypeMortgage Company
AddressCARROLTON, TX 75007
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term180 Months
DueAug 21, 2033

April 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateApr 24, 2018
Property Address109 SUNSET DR E, WINTER HAVEN, FL 33881-1539
Document Number0104630213
Book / Page010463 / 000213
Instrument DateApr 18, 2018
Instrument86590
Transaction TypeTransfer
Record UpdatedMay 09, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$1,435.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address112 CHRISTIAN ST #E PHILADELPHIA PA 191474276, E, PHILADELPHIA, PA 19147-4276

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$1,748.00 (-3.32%)$115,257 (+12.31%)$157,005 (+53%) Land $21,853 Building $135,152
2023$1,808.00 (+12.23%)$102,621 (+24.25%) Land $21,053 Building $81,568$102,621 (+24.25%) Land $21,053 Building $81,568
2022$1,611.00$82,591 Land $9,283 Building $73,308$82,591 Land $9,283 Building $73,308

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft

Wildfire

Wildfire RiskLow
above 35% of the US · above 10% of Florida
Wildfire LikelihoodAbout 1 in 2,381 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

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