138 E Lake Deer Dr, Winter Haven, FL 33880 Property Records

Polk County property record for 138 E Lake Deer Dr, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,288 sqft · built 1965
Lot Size	0.302 acres (13,138 sqft)
Owner	2 Individual Names on Record
Last Sale	$76,500 (Jan 2003)
Tax Bill	$513 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-30-635600-000960`

Property Details

APN / Parcel Number

Primary APN	`26-28-30-635600-000960`
Alternative APNs	`302826635600000960` `02826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,288 sqft Living Area
Gross Area	1,792 sqft
1st Floor Area	1,288 sqft
Flooring	Terrazzo
Interior Walls	Wood

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	13,138 sqft (0.302 acres)
Lot Dimensions	106 ft deep x 108 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	504 sqft
Porch	Unfinished Open Porch
Porch Area	12 sqft

Location & Zoning

Street Address	138 E LAKE DEER DR
City	WINTER HAVEN
State	FL
Zip	33880-2250
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HAVEN HOMES UNIT 3 PB 45 PG 11 LOT 96
Legal Range	26E
Legal Township	28S
Legal Section	30
Legal Subdivision	HAVEN HOMES UNIT 3
Legal Tract	635600
Legal Block	3
Legal Lot Number	96
Legal Unit	3
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	3
Census Block	3028
Census Tract	13801

Owner

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	138 E LAKE DEER DR, WINTER HAVEN, FL 33880-2250
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2021	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Nov 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2003 · Amount on Record
Deed Sale	Jan 2, 2003 · Amount on Record
Deed Book / Page	5219 / 1265
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	138 E LAKE DEER DR, WINTER HAVEN, FL 33880-2250
Transaction Type	Mortgage
Record Updated	Jul 28, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 E LAKE DEER DR, WINTER HAVEN, FL 33880-2250

Mortgage

Document Number	0000175253
Date	Jul 7, 2021
Book Page	11791/384
Instrument	2021175253

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	267 Months
Due	Oct 1, 2043

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	138 E LAKE DEER DR, WINTER HAVEN, FL 33880-2250
Document Number	0103312028
Book / Page	010331 / 002028
Instrument Date	Nov 19, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	138 E LAKE DEER DR WINTER HAVEN FL 338802250, WINTER HAVEN, FL 33880-2250

Mortgage

Document Number	0103312028
Date	Dec 5, 2017
Book Page	010331/002028
Instrument	233273

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 4, 2047

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$81,345 (+2.7%)	$204,674 (+8.45%) Land $38,928 Building $165,746
2025	$513.00 (-45.71%) Homeowner's exemption	$79,206 (+5.99%)	$188,722 (+3.89%) Land $38,928 Building $149,794
2023	$945.00 (+3.73%) Homeowner's exemption	$74,732 (+3%)	$181,657 (+2.84%) Land $37,770 Building $143,887
2022	$911.00 Homeowner's exemption	$72,555	$176,638 Land $31,142 Building $145,496

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 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	4 in force
Nearby Flood Claims	2 (1997–2004)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2004 · Tropical Storm Bonnie And Hurricane Charley

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 Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 295 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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