1514 Lake Thomas Loop, Winter Haven, FL 33880 Property Records

Polk County property record for 1514 Lake Thomas Loop, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,754 sqft · built 1993
Lot Size	0.32 acres (13,935 sqft)
Owner	2 Individual Names on File
Last Sale	$318,000 (Nov 2024)
Tax Bill	$2,995 (2025)
Deeds & Mortgages	Aug 2022 Mortgage May 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-28-26-354764-000210`

Property Details

APN / Parcel Number

Primary APN	`25-28-26-354764-000210`
Alternative APNs	`262825354764000210` `62825000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,754 sqft Living Area
Gross Area	2,329 sqft
1st Floor Area	1,754 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	13,935 sqft (0.32 acres)
Lot Dimensions	110 ft deep x 124 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	575 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	255 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1514 LAKE THOMAS LOOP
City	WINTER HAVEN
State	FL
Zip	33880-7142
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE THOMAS WOODS SEVENTH ADDITION PB 89 PG 20 LYING IN A PORTION OF SECTIONS 26 & 35 T28 R25 LOT 21
Legal Range	25E
Legal Township	28S
Legal Section	26
Legal Subdivision	LAKE THOMAS WOODS 7TH ADDITION
Legal Tract	354764
Legal Block	1
Legal Lot Number	21
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1000
Census Tract	14703

Owner

Source: Polk County assessment roll, as of July 23, 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 File
Mailing Address	1514 LAKE THOMAS LOOP, WINTER HAVEN, FL 33880-7142
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 10, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
May 25, 2018	Warranty Deed, Transfer · FHA Mortgage MORTGAGE SOLUTIONS/CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 1, 2024 · Amount on Record
Deed Sale	Nov 1, 2024 · Amount on Record
Prior Sale	May 25, 2018 · Amount on Record
Deed Document Number	2024248361
Deed Book / Page	13317 / 1264
Prior Transfer Date	May 4, 2022
Prior Transfer Doc	0000127465
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1514 LAKE THOMAS LOOP, WINTER HAVEN, FL 33880-7142
Transaction Type	Mortgage
Record Updated	Sep 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1514 LAKE THOMAS LOOP, WINTER HAVEN, FL 33880-7142

Mortgage

Document Number	0000232145
Date	Aug 25, 2022
Book Page	12394/10
Instrument	2022232145

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	309 Months
Due	May 1, 2048

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	May 10, 2022
Property Address	1514 LAKE THOMAS LOOP, WINTER HAVEN, FL 33880-7142
Document Number	0000127465
Book / Page	12246 / 1714
Map Reference	MB 89 PG 20
Instrument Date	May 4, 2022
Instrument	2022127465
Transaction Type	Transfer
Record Updated	May 23, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1619 SMITHFIELD CIR W, 1619, LAKELAND, FL 33801-6634

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1514 LAKE THOMAS LOOP, WINTER HAVEN, FL 33880-7142

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 25, 2018
Property Address	1514 LAKE THOMAS LOOP, WINTER HAVEN, FL 33880-7142
Document Number	0104961657
Book / Page	010496 / 001657
Instrument Date	Apr 30, 2018
Instrument	112316
Transaction Type	Transfer
Record Updated	Jun 20, 2018
Title Company	UNITED TITLE GROUP/LAKELAND LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,442.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1514 LAKE THOMAS LOOP WINTER HAVEN FL 338807142, WINTER HAVEN, FL 33880-7142

Mortgage

Document Number	104961659
Date	May 25, 2018
Book Page	010496/001659
Instrument	112317

Lender

Name	MORTGAGE SOLUTIONS/CO
Type	Mortgage Company
Address	COLORADO SPRINGS, CO 80918

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 24, 2048

Tax Assessment & Valuation

Source: Polk County assessment roll, as of July 23, 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
2025	$2,995.00 (-17.58%) Homeowner's exemption	$271,892 (+3.58%) Land $42,000 Building $229,892	$271,892 (+3.58%) Land $42,000 Building $229,892
2023	$3,634.00 (+13.1%)	$262,497 (+23.22%) Land $40,000 Building $222,497	$262,497 (+23.22%) Land $40,000 Building $222,497
2022	$3,213.00	$213,027 Land $34,000 Building $179,027	$213,027 Land $34,000 Building $179,027

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
Flood Insurance Cost	Premium on Record median of 39 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	39 in force

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	Moderate above 69% of the US · above 50% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 149 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
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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