140 Sunfish Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 140 Sunfish Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,985 sqft · built 2018
Lot Size	0.144 acres (6,255 sqft)
Owner	Individual Name on File
Last Sale	$205,794 (Aug 2018)
Tax Bill	$4,822 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-27-35-520573-002350`

Property Details

APN / Parcel Number

Primary APN	`26-27-35-520573-002350`
Alternative APNs	`352726520573002350` `52726000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,985 sqft Living Area
Gross Area	2,405 sqft
1st Floor Area	1,985 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	6,255 sqft (0.144 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	40 sqft

Location & Zoning

Street Address	140 SUNFISH DR
City	WINTER HAVEN
State	FL
Zip	33881-9406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE LUCERNE PHASE 1 PB 165 PGS 46-51 LOT 235
Legal Range	26E
Legal Township	27S
Legal Section	35
Legal Subdivision	LAKE LUCERNE PHASE 1
Legal Phase	1
Legal Block	2
Legal Lot Number	235
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2000
Census Tract	12804

Owner

140 Sunfish Dr is owned and occupied by an individual who bought it in August 2018.

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

Owner of Record	Individual Name on File
Mailing Address	140 SUNFISH DR, WINTER HAVEN, FL 33881-9406
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Aug 7, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage KBHS HM LNS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2018 · Amount on File
Deed Sale	Aug 7, 2018 · Amount on File
Deed Document Number	2018168637
Deed Book / Page	10574 / 1528
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	140 SUNFISH DR, WINTER HAVEN, FL 33881-9406
Document Number	0115222277
Instrument Date	Dec 23, 2020
Transaction Type	Mortgage
Record Updated	Jan 22, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 SUNFISH DR WINTER HAVEN FL 338819406, WINTER HAVEN, FL 33881-9406

Mortgage

Document Number	0115222277
Date	Jan 4, 2021
Book Page	011522/002277
Instrument	713

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2051

August 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Aug 7, 2018
Property Address	140 SUNFISH DR, WINTER HAVEN, FL 33881-9406
Document Number	0105741528
Book / Page	010574 / 001528
Instrument Date	Aug 1, 2018
Instrument	168637
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 5, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,440.56
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 SUNFISH DR WINTER HAVEN FL 338819406, WINTER HAVEN, FL 33881-9406

Mortgage

Document Number	105741530
Date	Aug 7, 2018
Book Page	010574/001530
Instrument	168638

Lender

Name	KBHS HM LNS LLC
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 6, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 140 Sunfish Dr was $4,822.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$236,928 (-8.15%) Land $50,000 Building $186,928	$236,928 (-8.15%) Land $50,000 Building $186,928
2025	$4,822.00	$257,939 Land $50,000 Building $207,939	$257,939 Land $50,000 Building $207,939
2023	$4,690.00 (+9.15%)	$280,558 (+10.08%) Land $48,000 Building $232,558	$280,558 (+10.08%) Land $48,000 Building $232,558
2022	$4,297.00	$254,872 Land $40,000 Building $214,872	$254,872 Land $40,000 Building $214,872

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

Flood

FEMA maps place 140 Sunfish Dr in Zone X, an area of minimal flood risk, though there have been 7 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 20 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	7 (2004–2023)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Apr 2023 · rainfall accumulation
Claims by Event	Hurricane Frances, Sep 2004 · 3 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 140 Sunfish Dr is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond ember reach

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	SWISS VILLAGE MHP private · serves 1,410 people · EPA ID FL6532715
Water Source	Groundwater
Last State Inspection	Sep 2024
Also Mapped Here	WINTER HAVEN WATER DEPARTMENT
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 363 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

May also be available: Verizon.

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