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

Polk County property record for 121 E Lake Summit Dr, Winter Haven, FL 33884 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 4,591 sqft · built 1955
Lot Size0.667 acres (29,050 sqft)
OwnerIndividual Name on File
Last Sale$985,000 (Dec 2021)
Tax Bill$11,627 (2025)
Deeds & MortgagesMay 2026 Sale
Dec 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-34-658500-000460

Property Details

APN / Parcel Number

Primary APN26-28-34-658500-000460
Alternative APNs
  • 342826658500000460
  • 42826000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories2 Stories
Building Area4,591 sqft Living Area
Gross Area4,053 sqft
1st Floor Area2,760 sqft
Upper Floors Area1,293 sqft
FlooringWood
Interior WallsPlaster

Exterior

Year BuiltBuilt 1955
Effective Year BuiltEffective 1995
Exterior MaterialBrick
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area29,050 sqft (0.667 acres)
Lot Dimensions186 ft deep x 145 ft wide
View / LotCommercial/Industrial
Garage TypeDetached
Garage Area448 sqft

Exterior Amenities

Pool TypeEnclosed Pool
PorchUnfinished Open Porch
Porch Area63 sqft
Boat AccessBoat Access

Location & Zoning

Street Address121 E LAKE SUMMIT DR
CityWINTER HAVEN
StateFL
Zip33884-2112
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionELOISE WOODS PB 17 PGS 48 48A LOT 46
Legal Range26E
Legal Township28S
Legal Section34
Legal SubdivisionELOISE WOODS
Legal Tract658500
Legal Block2
Legal Lot Number46
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2012
Census Tract14005

Owner

Source: Polk County records · APN 26-28-34-658500-000460

Assessment roll updated July 23, 2026 · Last verified August 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 Address121 E LAKE SUMMIT DR, WINTER HAVEN, FL 33884-2112
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
May 21, 2026Warranty Deed, Transfer
NONE LISTED ON DOCUMENT
Dec 22, 2021Warranty Deed, Transfer · Commercial Mortgage
FARMERS STATE BANK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 22, 2021 · Amount on Record
Deed SaleDec 22, 2021 · Amount on Record
Deed Document Number2021332565
Deed Book / Page12038 / 435
Prior Transfer DateNov 24, 2021
Prior Transfer Doc0000332558
Record UpdatedSep 20, 2026

May 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMay 21, 2026
Property Address121 E LAKE SUMMIT DR, WINTER HAVEN, FL 33884-2112
Document Number0000121672
Book / Page14007 / 1644
Instrument DateMay 20, 2026
Instrument2026121672
Transaction TypeTransfer
Record UpdatedJun 03, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
Tax$70.70
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address121 E LAKE SUMMIT DR, WINTER HAVEN, FL 33884-2112
InvestorPossibly a Property Investor

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateDec 22, 2021
Property Address121 E LAKE SUMMIT DR, WINTER HAVEN, FL 33884-2112
Document Number0000332565
Book / Page12038 / 435
Map ReferenceMB 17 PG 48&48A
Instrument DateNov 24, 2021
Instrument2021332565
Transaction TypeTransfer
Record UpdatedFeb 05, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$6,895.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3221 OAK TREE LN, WINTER HAVEN, FL 33884-1329

Transferred To (Grantee/Buyer)

NameVerified Name
Address121 E LAKE SUMMIT DR, WINTER HAVEN, FL 33884-2112

Mortgage

Document Number0012038437
DateDec 22, 2021
Instrument12038/437
Lender
NameFARMERS STATE BANK
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term180 Months
DueDec 17, 2036

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 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$11,627.00 (-6.94%) Homeowner's exemption$917,729 (-0.8%) Land $284,065 Building $633,664$917,729 (-0.8%) Land $284,065 Building $633,664
2024$12,494.00 (+4.65%)
2023$11,939.00 (+12.24%) Homeowner's exemption$925,152 (+19.09%) Land $275,965 Building $649,187$925,152 (+19.09%) Land $275,965 Building $649,187
2022$10,637.00$776,844 Land $230,278 Building $546,566$776,844 Land $230,278 Building $546,566

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050140052, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance CostPremium on Record
median of 33 individual NFIP policies nearby
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 Storm
  • Hurricane Ian, Sep 2022 · 3 claims
  • Hurricane Frances, Sep 2004 · 2 claims

Wildfire

Wildfire RiskLow
above 4% of the US · above 4% of Florida
Wildfire LikelihoodAbout 1 in 9,091 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 130 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber5,000 / 5,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
AT&TFixed Wireless100 / 20
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Hotwire Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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