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14 Apple Tree Ln, Winter Haven, FL 33884 Property Records

Polk County property record for 14 Apple Tree Ln, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,640 sqft · built 1999
Lot Size5.53 acres (241,253 sqft)
OwnerIndividual Name on File
Last Sale$229,000 (Jan 2003)
Tax Bill$2,698 (2025)
Deeds & MortgagesMar 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN26-29-23-690591-000310

Property Details

APN / Parcel Number

Primary APN26-29-23-690591-000310
Alternative APNs
  • 232926690591000310
  • 32926000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area2,640 sqft Living Area
1st Floor Area1,702 sqft
Upper Floors Area938 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 1999
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area241,253 sqft
View / LotCommercial/Industrial
Garage TypeDetached
Garage Area720 sqft
Pool TypeEnclosed Pool
PorchFinished/Open Porch
Porch Area498 sqft

Location & Zoning

Street Address14 APPLE TREE LN
CityWINTER HAVEN
StateFL
Zip33884-3401
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSUNDANCE RANCH ESTATES PHASE TWO PB 80 PG 47 LYING & BEING IN A PORTION OF SECTIONS 22 & 23 T29 R26 LOT 31
Legal Range26E
Legal Township29S
Legal Section23
Legal SubdivisionSUNDANCE RANCH ESTATES PHASE TWO
Legal Phase2
Legal Tract690591
Legal Block4
Legal Lot Number31
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group4
Census Block4058
Census Tract14501

Owner

14 Apple Tree Ln is owned and occupied by an individual who bought it in January 2003.

Source: Polk County records, as of September 28, 2026

Owner of RecordIndividual Name on File
Mailing Address14 APPLE TREE LN, WINTER HAVEN, FL 33884-3401
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 3, 2003 · Amount on File
Deed SaleJan 3, 2003 · Amount on File
Prior SaleJan 17, 1997 · Amount on File
Deed Book / Page5219 / 2216
Record UpdatedOct 29, 2026

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address14 APPLE TREE LN, WINTER HAVEN, FL 33884-3401
Transaction TypeMortgage
Record UpdatedMar 18, 2022
Title CompanyFLORIDA PROFESSIONAL TITLE INC, FLORIDA PROFESSIONAL TTL INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address14 APPLE TREE LN, WINTER HAVEN, FL 33884-3401

Mortgage

Document Number0000059710
DateMar 4, 2022
Book Page12146/1176
Instrument2022059710
Lender
NameMIDFLORIDA CU
TypeCredit Union
AddressLAKELAND, FL 33802
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueMar 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 14 Apple Tree Ln was $2,698 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$255,661 (+2.7%)$479,320 (+4.42%) Land $93,100 Building $386,220
2025$2,698.00 Homeowner's exemption$248,940$459,015 Land $93,100 Building $365,915
2023$3,110.00 (+3.08%) Homeowner's exemption$234,878 (+3%)$462,053 (+14.72%) Land $89,830 Building $372,223
2022$3,017.00 Homeowner's exemption$228,037$402,766 Land $74,734 Building $328,032

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 14 Apple Tree Ln in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 2004.

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 97 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies97 in force
Nearby Flood Claims8 (2004–2022)
Claims Outside the SFHA4 of 8
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Sep 2022 · 2 claims
  • Hurricane Frances, Sep 2004 · 2 claims
  • Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 claims

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

Wildfire risk around 14 Apple Tree Ln is high, ranking above 76% of the US, with a 0.5% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskHigh
above 76% of the US · above 63% of Florida
Wildfire Likelihood0.5% annual chance
ExposureDirect
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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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 11 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		5,000 / 5,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Apple Tree Ln

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