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115 E Lake Summit Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 115 E Lake Summit Dr, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2004
Square Footage2,609 sqft Living Area
Lot Size29,995 sqft (0.689 acres)
OccupancyOwner Occupied
Last Sale$699,000 (2018)
Tax Bill$6,520.00 (2025)

Property Details

APN / Parcel Number

Primary APN26-28-34-658500-000432
Alternative APNs
  • 342826658500000432
  • 42826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,609 sqft Living Area
Gross Area3,990 sqft Gross Area
1st Floor2,609 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Exterior MaterialStucco Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionHip Roof Construction
Roof MaterialOther (not Classified) Roof
Lot Area29,995 sqft (0.689 acres)
Depth X Width325 ft x 105 ft Depth x Width
Garage TypeAttached Garage
Garage Area875 sqft Garage

Exterior Amenities

Shed1 Shed
Porch Area758 sqft Porch
Boat AccessBoat Access
GazeboGazebo

Location & Zoning

Street Address115 E LAKE SUMMIT DR
CityWINTER HAVEN
StateFL
Zip33884-2112
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionELOISE WOODS PB 17 PGS 48 48A PART OF LOTS 43 & 44 DESC AS: COM NE COR LOT 44 S 15 DEG 26 MIN 43 SEC W ALONG E LINE OF SD LOT 44 126.12 FT FOR POB N 80 DEG 21 MIN 48 SEC W 298 FT M/L TO WATERS EDGE OF LAKE SUMMIT SLY ALONG WATERS EDGE OF LAKE SUMMIT
Legal Range26E
Legal Township28S
Legal Section34
Legal SubdivisionELOISE WOODS
Legal Tract658500
Legal Block2
Legal Lot Number43,44
JurisdictionPOLK FL
Minor Civil DivisionWINTER HAVEN-AUBURNDALE
Census Blockgroup2
Census Block2012
Census Tract14005

Owner

Source: Polk County records · APN 26-28-34-658500-000432

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 Address115 E LAKE SUMMIT DR, WINTER HAVEN, FL 33884-2112
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingSingle Woman

Deeds, Mortgages & Sale History

DateDocument
May 19, 2021Deed of Trust, Mortgage · Conventional Mortgage
AMERICAN HERITAGE CAPITAL LP
Feb 18, 2022Deed of Trust, Mortgage · Conventional Mortgage
LENDOVA CORPORATION
Apr 11, 2023Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Oct 16, 2020Deed of Trust, Mortgage · Conventional Mortgage
AMERICAN HERITAGE CAP
Mar 24, 2020Deed of Trust, Mortgage · Conventional Mortgage
AMERICAN HERITAGE CAP
Dec 21, 2018Warranty Deed, Transfer
UNITED WHOLESALE MTG

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 21, 2018 · Amount on Record
Deed SaleDec 21, 2018 · Amount on Record
Prior SaleApr 24, 2013 · Amount on Record
Deed Doc Number2018264254
Deed Book / Page10704 / 1492
Last Transfer DateOct 19, 2022
Transfer Doc0000082375
Record RefreshedSep 20, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address115 E LAKE SUMMIT DR, WINTER HAVEN, FL 33884-2112
Transaction TypeMortgage
Record UpdatedFeb 05, 2024
Title CompanyPGP TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address115 E LAKE SUMMIT DR, WINTER HAVEN, FL 33884-2112

Mortgage

Document Number0000131074
DateMay 19, 2021
Book Page11723/252
Instrument2021131074
Lender
NameAMERICAN HERITAGE CAPITAL LP
TypeMortgage Company
AddressDALLAS, TX 75244
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueJun 01, 2036

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address115 E LAKE SUMMIT DR, WINTER HAVEN, FL 33884-2112
Transaction TypeMortgage
Record UpdatedFeb 05, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address115 LAKE SMART DR, WINTER HAVEN, FL 33881-9654

Mortgage

Document Number0000045042
DateFeb 18, 2022
Book Page12123/1343
Instrument2022045042
Lender
NameLENDOVA CORPORATION
TypeNon-Lending Institution
AddressDALLAS, TX 75244
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueMar 01, 2037

April 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPOLK FL
Recording DateApr 11, 2023
Property Address115 E LAKE SUMMIT DR, WINTER HAVEN, FL 33884-2112
Document Number0000082375
Book / Page12646 / 2233
Map ReferenceMB 17 PG 48&48A
Instrument DateOct 19, 2022
Instrument2023082375
Transaction TypeTransfer
Record UpdatedFeb 05, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address4307 LARRYS LAGOON, WINTER HAVEN, FL 33884-2472

Transferred To (Grantee/Buyer)

NameVerified Name
Address115 E LAKE SUMMIT DR, WINTER HAVEN, FL 33884-2112

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address115 E LAKE SUMMIT DR, WINTER HAVEN, FL 33884-2112
Document Number0114341538
Instrument DateOct 16, 2020
Transaction TypeMortgage
Record UpdatedNov 16, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address115 E LAKE SUMMIT DR WINTER HAVEN FL 338842112, WINTER HAVEN, FL 33884-2112

Mortgage

Document Number0114341538
DateOct 29, 2020
Book Page011434/001538
Instrument230495
Lender
NameAMERICAN HERITAGE CAP
TypeFunding / Finance Company
AddressDALLAS, TX 75244
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueOct 28, 2035

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address115 E LAKE SUMMIT DR, WINTER HAVEN, FL 33884-2112
Document Number0112621413
Instrument DateMar 24, 2020
Transaction TypeMortgage
Record UpdatedJul 02, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address115 E LAKE SUMMIT DR WINTER HAVEN FL 338842112, WINTER HAVEN, FL 33884-2112

Mortgage

Document Number0112621413
DateJun 11, 2020
Book Page011262/001413
Instrument116345
Lender
NameAMERICAN HERITAGE CAP
TypeFunding / Finance Company
AddressDALLAS, TX 75244
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJun 10, 2035

December 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateDec 21, 2018
Property Address115 E LAKE SUMMIT DR, WINTER HAVEN, FL 33884-2112
Document Number0107041492
Book / Page010704 / 001492
Instrument DateDec 14, 2018
Instrument264254
Transaction TypeTransfer
Record UpdatedJan 14, 2019
Title CompanySMART TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,893.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address115 E LAKE SUMMIT DR WINTER HAVEN FL 338842112, WINTER HAVEN, FL 33884-2112

Mortgage

Document Number107041494
DateDec 21, 2018
Book Page010704/001494
Instrument264255
Lender
NameUNITED WHOLESALE MTG
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
AmountAmount Recorded
Term360 Months
DueDec 20, 2048

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

YearTax BillAssessed ValueAssessed Market Value
2025$6,520.00 (-2.85%) Homeowner's exemption$532,439 (+5.99%)$831,009 (-2.69%) Land $289,751 Building $541,258
2023$6,711.00 (+2.05%) Homeowner's exemption$502,362 (+3%)$854,024 (+15.15%) Land $281,385 Building $572,639
2022$6,576.00 Homeowner's exemption$487,730$741,673 Land $234,702 Building $506,971

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 2% of the US · above 2% of Florida
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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

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