Polk County property record for 129 Elliott Ln, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,638 sqft · built 1972 |
| Lot Size | 0.235 acres (10,215 sqft) |
| Owner | Individual Name on File |
| Last Sale | $205,000 (Sep 2018) |
| Tax Bill | $1,858 (2025) |
| Deeds & Mortgages | Feb 2022 Line of Credit May 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-35-662500-000705 |
| Primary APN | 26-28-35-662500-000705 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,638 sqft Living Area |
| Gross Area | 2,158 sqft |
| 1st Floor Area | 1,638 sqft |
| Flooring | Carpet |
| Interior Walls | Wood |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 10,215 sqft (0.235 acres) |
| Lot Dimensions | 115 ft deep x 90 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 520 sqft |
| Pool Area | 512 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 145 sqft |
| Cooling System | Central |
|---|
| Street Address | 129 ELLIOTT LN |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2354 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | FLA HIGHLANDS CO SUB PB 3 PG 27 LOTS 7 & 9 THAT PT BEING LOT 59 OF UNREC GARDEN GROVE PINES DESC AS COM SE COR OF NE1/4 OF SE1/4 N00-17-10W 635 FT S89-51-50W 1095 FT TO POB S89-51-50W 90 FT N0-17-10W 89.94 FT NELY ALONG CURVE A CHORD DIST OF 35.4 FT |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 35 |
| Legal Subdivision | FLORIDA HIGHLAND CO SUBDIVISION |
| Legal Tract | 59 |
| Legal Block | 3 |
| Legal Lot Number | 7,9,5 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 14001 |
129 Elliott Ln is owned and occupied by an individual who bought it in September 2018.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 129 ELLIOTT LN, WINTER HAVEN, FL 33884-2354 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 24, 2022 | Deed of Trust, Mortgage · Line of Credit LENDAGE LLC |
| May 12, 2020 | Deed of Trust, Mortgage · FHA Mortgage PRIMARY RESID'L MTG |
| Sep 10, 2018 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE FIRM |
| Apr 21, 2017 | Deed of Trust, Mortgage DITECH FIN'L |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 10, 2018 · Amount on File |
| Deed Sale | Sep 10, 2018 · Amount on File |
| Prior Sale | Oct 16, 2006 · Amount on File |
| Deed Document Number | 2018192526 |
| Deed Book / Page | 10608 / 248 |
| Prior Transfer Date | Jun 4, 2009 |
| Prior Transfer Doc | 0000106986 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 129 ELLIOTT LN, WINTER HAVEN, FL 33884-2354 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 129 ELLIOTT LN, WINTER HAVEN, FL 33884-2354 |
| Document Number | 0000050823 |
|---|---|
| Date | Feb 24, 2022 |
| Book Page | 12132/992 |
| Instrument | 2022050823 |
| Name | LENDAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 48510 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 129 ELLIOTT LN, WINTER HAVEN, FL 33884-2354 |
| Document Number | 0112371961 |
| Instrument Date | May 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2020 |
| Title Company | INTEGRITY FIRST TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 129 ELLIOTT LN WINTER HAVEN FL 338842354, WINTER HAVEN, FL 33884-2354 |
| Document Number | 0112371961 |
|---|---|
| Date | May 19, 2020 |
| Book Page | 011237/001961 |
| Instrument | 99815 |
| Name | PRIMARY RESID'L MTG |
|---|---|
| Type | Mortgage Company |
| Address | SALT LAKE CITY, UT 84116 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 18, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 10, 2018 |
| Property Address | 129 ELLIOTT LN, WINTER HAVEN, FL 33884-2354 |
| Document Number | 0106080248 |
| Book / Page | 010608 / 000248 |
| Instrument Date | Sep 10, 2018 |
| Instrument | 192526 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2018 |
| Title Company | REAL ESTATE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,435.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 129 ELLIOTT LN WINTER HAVEN FL 338842354, WINTER HAVEN, FL 33884-2354 |
| Document Number | 106080249 |
|---|---|
| Date | Sep 10, 2018 |
| Book Page | 010608/000249 |
| Instrument | 192527 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 9, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 129 ELLIOTT LN, WINTER HAVEN, FL 33884-2354 |
| Document Number | 0101321394 |
| Book / Page | 010132 / 001394 |
| Instrument Date | Apr 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 129 ELLIOTT LN WINTER HAVEN FL 338842354, WINTER HAVEN, FL 33884-2354 |
| Document Number | 0101321394 |
|---|---|
| Date | Apr 28, 2017 |
| Book Page | 010132/001394 |
| Instrument | 81856 |
| Name | DITECH FIN'L |
|---|---|
| Address | TAMPA, FL 33607 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Apr 27, 2047 |
The 2025 property tax bill for 129 Elliott Ln was $1,858 with a homeowner's exemption.
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 | $185,572 (+2.7%) | $238,148 (+2.95%) Land $42,000 Building $196,148 | |
| 2025 | $1,858.00 Homeowner's exemption | $180,693 | $231,322 Land $42,000 Building $189,322 |
| 2023 | $2,234.00 (+3.23%) Homeowner's exemption | $170,486 (+3%) | $221,348 (+1.89%) Land $40,000 Building $181,348 |
| 2022 | $2,164.00 Homeowner's exemption | $165,520 | $217,233 Land $33,000 Building $184,233 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 129 Elliott Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (1998) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 1998 · Severe Storms, High Winds, Tornadoes, And Flooding |
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 risk around 129 Elliott Ln is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 500 locations within half a mile, as of December 31, 2025
| Provider | Max 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 |
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