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

Polk County property record for 117 E Lake Summit Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 5,312 sqft · built 2025
Lot Size	0.762 acres (33,175 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,000 (Sep 2014)
Tax Bill	$3,927 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-34-658500-000441`

Property Details

APN / Parcel Number

Primary APN	`26-28-34-658500-000441`
Alternative APNs	`342826658500000441` `42826000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	5,312 sqft Living Area
Gross Area	6,886 sqft
1st Floor Area	3,356 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	33,175 sqft (0.762 acres)
Lot Dimensions	275 ft deep x 120 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	882 sqft
Porch	Florida Room

Location & Zoning

Street Address	117 E LAKE SUMMIT DR
City	WINTER HAVEN
State	FL
Zip	33884-2112
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELOISE WOODS PB 17 PGS 48 48A ------- LOT 44 THAT PART DESC AS: COM NE COR OF SD LOT 44 FOR POB S 15 DEG 26 MIN 43 SEC W ALONG E LINE SD LOT 44 126.12 FT N 80 DEG 21 MIN 48 SEC W 298 FT M/L TO WATERS EDGE OF LAKE SUMMITNLY ALONG WATERS EDGE OF LAKE S
Legal Subdivision	ELOISE WOODS
Legal Tract	658500
Legal Block	2
Legal Lot Number	44
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2012
Census Tract	14005

Owner

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	117 E LAKE SUMMIT DR, WINTER HAVEN, FL 33884-2112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2025	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Dec 27, 2023	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Dec 27, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Apr 10, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2014 · Amount on Record
Deed Sale	Sep 16, 2014 · Amount on Record
Prior Sale	Feb 28, 2014
Deed Document Number	2014158257
Deed Book / Page	9339 / 1607
Last Transfer Date	Dec 21, 2023
Transfer Doc	0000300023
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	117 E LAKE SUMMIT DR, WINTER HAVEN, FL 33884-2112
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 PEACHTREE LN SE, WINTER HAVEN, FL 33884-1077

Mortgage

Document Number	0000304482
Date	Dec 31, 2025
Book Page	13828/1167
Instrument	2025304482

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.45%
Type Change Date	Jan 1, 2036
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.4%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.4%

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 27, 2023
Property Address	117 E LAKE SUMMIT DR, WINTER HAVEN, FL 33884-2112
Document Number	0000300022
Book / Page	12952 / 1229
Map Reference	MB 17 PG 48&48A
Instrument Date	Dec 21, 2023
Instrument	2023300022
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	119 E LAKE SUMMIT DR, WINTER HAVEN, FL 33884-2112

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 E LAKE SUMMIT DR, WINTER HAVEN, FL 33884-2112

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Dec 27, 2023
Property Address	117 E LAKE SUMMIT DR, WINTER HAVEN, FL 33884-2112
Document Number	0000300023
Book / Page	12952 / 1231
Map Reference	MB 17 PG 48&48A
Instrument Date	Dec 21, 2023
Instrument	2023300023
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	119 E LAKE SUMMIT DR, WINTER HAVEN, FL 33884-2112

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 E LAKE SUMMIT DR, WINTER HAVEN, FL 33884-2112

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Apr 10, 2018
Property Address	117 E LAKE SUMMIT DR, WINTER HAVEN, FL 33884-2112
Document Number	0104491738
Book / Page	010449 / 001738
Instrument Date	Jan 23, 2018
Instrument	76249
Transaction Type	Transfer
Record Updated	Apr 23, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	225 W 520 N OREM UT 840574696, OREM, UT 84057-4696

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 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
2026		$1,157,299 (+290.51%)	$1,296,833 (+337.6%) Land $296,352 Building $1,000,481
2025	$3,927.00 (-0.28%)	$296,352 (+2.96%) Land $296,352	$296,352 (+2.96%) Land $296,352
2024	$3,938.00 (+9.12%)
2023	$3,609.00 (+12.32%)	$287,840 (+19.87%) Land $287,840	$287,840 (+19.87%) Land $287,840
2022	$3,213.00	$240,128 Land $240,128	$240,128 Land $240,128

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 33 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	13 (1978–2026)
Claims Outside the SFHA	6 of 13
Most Recent Claim	Jun 2026 · rainfall accumulation
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims Hurricane Frances, Sep 2004 · 2 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	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, Spectrum, T-Mobile, Verizon.

Nearby Properties on E Lake Summit Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures