Polk County property record for 154 Lk Roy Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,936 sqft · built 1985 |
| Lot Size | 0.205 acres (8,925 sqft) |
| Owner | Company Name on Record |
| Last Sale | $297,500 (Jan 2023) |
| Tax Bill | $3,097 (2025) |
| Deeds & Mortgages | May 2023 Transfer Jan 2023 Sale + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-34-660000-000260 |
| Primary APN | 26-28-34-660000-000260 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,936 sqft Living Area |
| Gross Area | 1,534 sqft |
| 1st Floor Area | 1,534 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 8,925 sqft (0.205 acres) |
| Lot Dimensions | 160 ft deep x 58 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Carport |
| Garage Area | 247 sqft |
| Carport | Carport |
| Carport Area | 247 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 392 sqft |
| Porch | Porch |
| Porch Area | 442 sqft |
| Cooling System | Central |
|---|
| Street Address | 154 LAKE ROY DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-1938 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | ELOISE WOODS LAKE ROY UNIT PB 14 PG 19 19A 19B LOT 26 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 34 |
| Legal Subdivision | ELOISE WOODS LAKE ROY UNIT |
| Legal Tract | 660000 |
| Legal Block | 2 |
| Legal Lot Number | 26 |
| Legal Unit | PB |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2041 |
| Census Tract | 14005 |
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 1501 CRANBERRY DR, WEST NORRITON, PA 19403-5142 |
| Owner Type | Company |
| Date | Document |
|---|---|
| May 24, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Jan 27, 2023 | Warranty Deed, Transfer RIDGE SECURITY TITLE INC |
| Jun 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NETWORK CAPITAL FUNDING CORP |
| Jul 1, 2019 | Deed of Trust, Mortgage · Conventional with PMI NETWORK CAP FNDG |
| Dec 6, 2018 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Feb 27, 2017 | Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 27, 2023 · Amount on Record |
| Deed Sale | Jan 27, 2023 · Amount on Record |
| Prior Sale | Oct 3, 2014 · Amount on Record |
| Deed Document Number | 202321518 |
| Deed Book / Page | 12564 / 1979 |
| Last Transfer Date | May 15, 2023 |
| Transfer Doc | 0000120670 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 24, 2023 |
| Property Address | 154 LAKE ROY DR, WINTER HAVEN, FL 33884-1938 |
| Document Number | 0000120670 |
| Book / Page | 12702 / 334 |
| Map Reference | MB 14 PG 19,19A&19BB |
| Instrument Date | May 15, 2023 |
| Instrument | 2023120670 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1501 CRANBERRY DR, WEST NORRITON, PA 19403-5142 |
| Name | Verified Name |
|---|---|
| Address | 1501 CRANBERRY DR, WEST NORRITON, PA 19403-5142 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 27, 2023 |
| Property Address | 154 LAKE ROY DR, WINTER HAVEN, FL 33884-1938 |
| Document Number | 0000021518 |
| Book / Page | 12564 / 1979 |
| Map Reference | MB 14 PG 19,19A&19B |
| Instrument Date | Jan 27, 2023 |
| Instrument | 2023021518 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2023 |
| Title Company | RIDGE SECURITY TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,082.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 312 N ENGLISH ST # ST1, ST1, LEITCHFIELD, KY 42754-2229 |
| Name | Verified Name |
|---|---|
| Address | 1501 CRANBERRY DR, WEST NORRITON, PA 19403-5142 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 154 LAKE ROY DR, WINTER HAVEN, FL 33884-1938 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Title Company | UNISOURCE |
| Name | Verified Name |
|---|---|
| Address | 154 LAKE ROY DR, WINTER HAVEN, FL 33884-1938 |
| Document Number | 0000142229 |
|---|---|
| Date | Jun 2, 2021 |
| Book Page | 11740/931 |
| Instrument | 2021142229 |
| Name | NETWORK CAPITAL FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 154 LAKE ROY DR, WINTER HAVEN, FL 33884-1938 |
| Document Number | 0109121070 |
| Instrument Date | Jul 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2019 |
| Title Company | UNISOURCE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 154 LAKE ROY DR WINTER HAVEN FL 338841938, WINTER HAVEN, FL 33884-1938 |
| Document Number | 0109121070 |
|---|---|
| Date | Jul 19, 2019 |
| Book Page | 010912/001070 |
| Instrument | 151000 |
| Name | NETWORK CAP FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVINE, CA 92618 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 18, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 154 LAKE ROY DR, WINTER HAVEN, FL 33884-1938 |
| Document Number | 0106941318 |
| Instrument Date | Dec 6, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 154 LAKE ROY DR WINTER HAVEN FL 338841938, WINTER HAVEN, FL 33884-1938 |
| Document Number | 0106941318 |
|---|---|
| Date | Dec 11, 2018 |
| Book Page | 010694/001318 |
| Instrument | 256641 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 10, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 154 LAKE ROY DR, WINTER HAVEN, FL 33884-1938 |
| Document Number | 0100822192 |
| Book / Page | 010082 / 002192 |
| Instrument Date | Feb 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 15 S LAKE ROY LN #4 WINTER HAVEN FL 33880, 4, WINTER HAVEN, FL 33880 |
| Document Number | 0100822192 |
|---|---|
| Date | Mar 6, 2017 |
| Book Page | 010082/002192 |
| Instrument | 43354 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 5, 2047 |
| Rate Type | Adjustable Rate |
|---|
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 | $242,657 (+3.83%) Land $35,702 Building $206,955 | $242,657 (+3.83%) Land $35,702 Building $206,955 | |
| 2025 | $3,097.00 (-9.89%) | $233,700 (-4.49%) Land $33,917 Building $199,783 | $233,700 (-4.49%) Land $33,917 Building $199,783 |
| 2023 | $3,437.00 (+8.05%) | $244,680 (+8.96%) Land $33,024 Building $211,656 | $244,680 (+8.96%) Land $33,024 Building $211,656 |
| 2022 | $3,181.00 | $224,564 Land $27,669 Building $196,895 | $224,564 Land $27,669 Building $196,895 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 33 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 33 in force |
| Nearby Flood Claims | 13 (1978–2026) |
| Claims Outside the SFHA | 6 of 13 |
| Most Recent Claim | Jun 2026 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 231 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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