Polk County property record for 120 Lake Ring Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,184 sqft · built 1978 |
| Lot Size | 0.451 acres (19,654 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $440,000 (Feb 2022) |
| Tax Bill | $3,930 (2025) |
| Deeds & Mortgages | Feb 2022 Sale & Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-34-662000-001860 |
| Primary APN | 26-28-34-662000-001860 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,184 sqft Living Area |
| Gross Area | 2,760 sqft |
| 1st Floor Area | 984 sqft |
| Upper Floors Area | 960 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 19,654 sqft (0.451 acres) |
| Lot Dimensions | 200 ft deep x 68 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Pool Area | 450 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 585 sqft |
| Patio Area | 240 sqft |
| Street Address | 120 LAKE RING DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-1438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | ELOISE WOODS LAKE MARIAM UNIT PB 17 PG 49 49A 49B LOT 186 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 34 |
| Legal Subdivision | ELOISE WOODS LAKE MARIAM UNIT |
| Legal Tract | 662000 |
| Legal Block | 2 |
| Legal Lot Number | 186 |
| Legal Unit | PB |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 13902 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 1021 N STATE ROAD 7, MARGATE, FL 33063-3639 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 7, 2022 | Warranty Deed, Transfer · Conventional Mortgage NEXTMORTGAGE LLC |
| Jul 14, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 7, 2022 · Amount on Record |
| Deed Sale | Feb 7, 2022 · Amount on Record |
| Prior Sale | Jul 14, 2021 · Amount on Record |
| Deed Document Number | 202232733 |
| Deed Book / Page | 12104 / 1720 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 7, 2022 |
| Property Address | 120 LAKE RING DR, WINTER HAVEN, FL 33884-1438 |
| Document Number | 0000032733 |
| Book / Page | 12104 / 1720 |
| Map Reference | MB 17 PG 49 |
| Instrument Date | Feb 1, 2022 |
| Instrument | 2022032733 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,080.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 405 FLAGLER RD, 405, WINTER HAVEN, FL 33884-1025 |
| Name | Verified Name |
|---|---|
| Address | 1021 N STATE ROAD 7, MARGATE, FL 33063-3639 |
| Document Number | 0121041722 |
|---|---|
| Date | Feb 7, 2022 |
| Instrument | 12104/1722 |
| Name | NEXTMORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 14, 2021 |
| Property Address | 120 LAKE RING DR, WINTER HAVEN, FL 33884-1438 |
| Document Number | 0000180933 |
| Book / Page | 11800 / 339 |
| Map Reference | MB 17 PG 49 |
| Instrument Date | Jul 8, 2021 |
| Instrument | 2021180933 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,443.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3323 OAK HILL PL, 3323, WINTER HAVEN, FL 33884-1328 |
| Name | Verified Name |
|---|---|
| Address | 405 FLAGLER RD, WINTER HAVEN, FL 33884-1025 |
| Document Number | 0011800341 |
|---|---|
| Date | Jul 14, 2021 |
| Instrument | 11800/341 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $341,290 (+1.28%) Land $92,000 Building $249,290 | $341,290 (+1.28%) Land $92,000 Building $249,290 | |
| 2025 | $3,930.00 (-16.28%) Homeowner's exemption | $336,991 (-4.49%) Land $92,000 Building $244,991 | $336,991 (-4.49%) Land $92,000 Building $244,991 |
| 2023 | $4,694.00 (+4.24%) Homeowner's exemption | $352,833 (+19.03%) Land $90,000 Building $262,833 | $352,833 (+19.03%) Land $90,000 Building $262,833 |
| 2022 | $4,503.00 | $296,432 Land $76,000 Building $220,432 | $296,432 Land $76,000 Building $220,432 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 25 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 25 in force |
| Nearby Flood Claims | 2 (2004) |
| Most Recent Claim | Sep 2004 · Hurricane Frances |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 308 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 |
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