Polk County property record for 128 Palm Dr, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 816 sqft · built 1949 |
| Lot Size | 0.194 acres (8,468 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $107,000 (Oct 2019) |
| Tax Bill | $693 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-06-673500-000430 |
| Primary APN | 26-29-06-673500-000430 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 816 sqft Living Area |
| 1st Floor Area | 672 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plaster |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 8,468 sqft (0.194 acres) |
| Lot Dimensions | 168 ft deep x 53 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Carport |
| Garage Area | 200 sqft |
| Carport | Carport |
| Carport Area | 200 sqft |
| Porch | Florida Room |
| Porch Area | 174 sqft |
| Street Address | 128 PALM DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-5335 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LAKE SHIPP HEIGHTS UNIT 1 PB 33 PG 5 LOT 43 |
| 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 | 43 |
| Legal Unit | 1 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1047 |
| Census Tract | 14701 |
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 | 128 PALM DR, WINTER HAVEN, FL 33880-5335 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 18, 2021 | Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC |
| Oct 1, 2019 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2019 · Amount on Record |
| Deed Sale | Oct 1, 2019 · Amount on Record |
| Prior Sale | Aug 23, 2005 · Amount on Record |
| Deed Document Number | 2019207986 |
| Deed Book / Page | 10991 / 1606 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 128 PALM DR, WINTER HAVEN, FL 33880-5335 |
| Transaction Type | Mortgage |
| Record Updated | Dec 7, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 128 PALM DR, WINTER HAVEN, FL 33880-5335 |
| Document Number | 0000303165 |
|---|---|
| Date | Nov 18, 2021 |
| Book Page | 11991/271 |
| Instrument | 2021303165 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 1, 2019 |
| Property Address | 128 PALM DR, WINTER HAVEN, FL 33880-5335 |
| Document Number | 0109911606 |
| Book / Page | 010991 / 001606 |
| Instrument Date | Sep 27, 2019 |
| Instrument | 207986 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2019 |
| Title Company | TITLE TEAM LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $749.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 128 PALM DR WINTER HAVEN FL 338805335, WINTER HAVEN, FL 33880-5335 |
| Document Number | 109911607 |
|---|---|
| Date | Oct 1, 2019 |
| Book Page | 010991/001607 |
| Instrument | 207987 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 30, 2049 |
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 | $88,967 (-4.1%) | $124,630 (-12.42%) Land $13,500 Building $111,130 | |
| 2025 | $693.00 (-39.95%) Homeowner's exemption | $92,772 (+5.99%) | $142,305 (+3.72%) Land $13,500 Building $128,805 |
| 2023 | $1,154.00 (+5.77%) Homeowner's exemption | $87,531 (+3%) | $137,197 (+21.42%) Land $13,000 Building $124,197 |
| 2022 | $1,091.00 Homeowner's exemption | $84,982 | $112,995 Land $11,000 Building $101,995 |
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 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 |
|
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 | 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.
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 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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