115 Palm Dr, Winter Haven, FL 33880 Property Records

Polk County property record for 115 Palm Dr, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,002 sqft · built 1948
Lot Size	0.195 acres (8,481 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,000 (Oct 2018)
Tax Bill	$448 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-06-673500-000080`

Property Details

APN / Parcel Number

Primary APN	`26-29-06-673500-000080`
Alternative APNs	`062926673500000080` `62926000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,002 sqft Living Area
Gross Area	918 sqft
1st Floor Area	720 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	8,481 sqft (0.195 acres)
Lot Dimensions	130 ft deep x 65 ft wide
View / Lot	Commercial/Industrial
Porch	Florida Room
Porch Area	314 sqft

Location & Zoning

Street Address	115 PALM DR
City	WINTER HAVEN
State	FL
Zip	33880-5336
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LAKE SHIPP HEIGHTS UNIT 1 PB 33 PG 5 LOT 8
Legal Range	26E
Legal Township	29S
Legal Section	06
Legal Subdivision	LAKE SHIPP HEIGHTS UNIT 01
Legal Tract	673500
Legal Block	1
Legal Lot Number	8
Legal Unit	1
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1043
Census Tract	14701

Owner

Source: Polk County records, as of June 23, 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	115 PALM DR, WINTER HAVEN, FL 33880-5336
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2022	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Dec 17, 2021	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Oct 8, 2018	Warranty Deed, Transfer · FHA Mortgage AMERICAN LIBERTY MTG INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2018 · Amount on Record
Deed Sale	Oct 8, 2018 · Amount on Record
Prior Sale	May 13, 2008 · Amount on Record
Deed Document Number	2018211915
Deed Book / Page	10634 / 1661
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	115 PALM DR, WINTER HAVEN, FL 33880-5336
Transaction Type	Mortgage
Record Updated	Mar 1, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 PALM DR, WAHNETA, FL 33880-5336

Mortgage

Document Number	0000039414
Date	Feb 11, 2022
Book Page	12114/2246
Instrument	2022039414

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	321 Months
Due	Nov 1, 2048

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	115 PALM DR, WINTER HAVEN, FL 33880-5336
Transaction Type	Mortgage
Record Updated	Jan 3, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 PALM DR, WINTER HAVEN, FL 33880-5336

Mortgage

Document Number	0000327688
Date	Dec 17, 2021
Book Page	12030/525
Instrument	2021327688

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	323 Months
Due	Nov 1, 2048

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 8, 2018
Property Address	115 PALM DR, WINTER HAVEN, FL 33880-5336
Document Number	0106341661
Book / Page	010634 / 001661
Instrument Date	Oct 5, 2018
Instrument	211915
Transaction Type	Transfer
Record Updated	Oct 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	115 PALM DR WINTER HAVEN FL 338805336, WINTER HAVEN, FL 33880-5336

Mortgage

Document Number	106341663
Date	Oct 8, 2018
Book Page	010634/001663
Instrument	211916

Lender

Name	AMERICAN LIBERTY MTG INC
Type	Mortgage Company
Address	DENVER, CO 80211

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 7, 2048

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 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
2025	$448.00 (-51.98%) Homeowner's exemption	$72,219 (+5.99%)	$136,885 (+6.47%) Land $13,500 Building $123,385
2023	$933.00 (+4.71%) Homeowner's exemption	$68,140 (+3%)	$128,570 (+26.58%) Land $13,000 Building $115,570
2022	$891.00 Homeowner's exemption	$66,155	$101,576 Land $11,000 Building $90,576

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

Flood

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 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	13 (1994–2022)
Claims Outside the SFHA	7 of 13
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Frances, Sep 2004 · 2 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 5 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

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

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 271 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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