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

Polk County property record for 119 E Lake Summit Dr, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 4,863 sqft · built 1989
Lot Size0.839 acres (36,556 sqft)
OwnerIndividual on Record
Tax Bill$6,450 (2025)
Deeds & MortgagesAug 2020 Line of Credit
Flood ZoneZone X (minimal risk)
APN26-28-34-658500-000450

Property Details

APN / Parcel Number

Primary APN26-28-34-658500-000450
Alternative APNs
  • 342826658500000450
  • 42826000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area4,863 sqft Living Area
Gross Area5,990 sqft
1st Floor Area2,944 sqft
Upper Floors Area1,919 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 1989
Exterior MaterialBrick
Construction TypeMasonry / Concrete Block
Roof TypeGable
Roof MaterialOther
Lot Area36,556 sqft (0.839 acres)
Lot Dimensions229 ft deep x 152 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area759 sqft

Exterior Amenities

Pool Area450 sqft
PorchFlorida Room
Porch Area458 sqft
Patio Area240 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address119 E LAKE SUMMIT DR
CityWINTER HAVEN
StateFL
Zip33884-2112
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionELOISE WOODS PB 17 PGS 48 48A LOT 45
Legal Range26E
Legal Township28S
Legal Section34
Legal SubdivisionELOISE WOODS
Legal Tract658500
Legal Block2
Legal Lot Number45
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2012
Census Tract14005

Owner

Source: Polk County assessment roll, as of July 23, 2026

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

Owner of RecordIndividual on Record
Mailing Address119 E LAKE SUMMIT DR, WINTER HAVEN, FL 33884-2112
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Record UpdatedSep 20, 2026

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address119 E LAKE SUMMIT DR, WINTER HAVEN, FL 33884-2112
Document Number0113641290
Instrument DateAug 27, 2020
Transaction TypeMortgage
Record UpdatedSep 23, 2020
Title CompanyRIDGE SECURITY TITLE INC, RIDGE SEC TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address119 E LAKE SUMMIT DR WINTER HAVEN FL 338842112, WINTER HAVEN, FL 33884-2112

Mortgage

Document Number0113641290
DateSep 4, 2020
Book Page011364/001290
Instrument184270
Lender
NameCITIZENS BK
TypeBank
AddressFROSTPROOF, FL 33843
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Polk County assessment roll, as of July 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,450.00 (-2.91%) Homeowner's exemption$527,119 (+5.99%)$982,792 (-1.64%) Land $318,806 Building $663,986
2023$6,643.00 (+2.06%) Homeowner's exemption$497,343 (+3%)$999,182 (+20.74%) Land $309,732 Building $689,450
2022$6,509.00 Homeowner's exemption$482,857$827,565 Land $258,470 Building $569,095

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 33 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies33 in force
Nearby Flood Claims13 (1978–2026)
Claims Outside the SFHA6 of 13
Most Recent ClaimJun 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 RiskLow
lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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 130 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Hotwire Communications.

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