1684 Ambar Ct, Winter Haven, FL 33881 Property Records

Polk County property record for 1684 Ambar Ct, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,232 sqft · built 2021
Lot Size	0.215 acres (9,344 sqft)
Owner	Individual Name on Record
Last Sale	$334,000 (Aug 2024)
Tax Bill	$5,092 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Apr 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-03-522510-000340`

Property Details

APN / Parcel Number

Primary APN	`26-28-03-522510-000340`
Alternative APNs	`032826522510000340` `32826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,232 sqft Living Area
Gross Area	2,673 sqft
1st Floor Area	927 sqft
Upper Floors Area	1,305 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	9,344 sqft (0.215 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Unfinished Open Porch

Location & Zoning

Street Address	1684 AMBAR CT
City	WINTER HAVEN
State	FL
Zip	33881-8201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKES AT LUCERNE PARK PHASE 6 PB 176 PGS 32-34 LOT 34
Legal Range	26E
Legal Township	28S
Legal Section	03
Legal Subdivision	LAKES AT LUCERNE PARK PHASE 6
Legal Phase	6
Legal Block	2
Legal Lot Number	34
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2028
Census Tract	12803

Owner

Source: Polk County records, as of October 12, 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	Individual Name on Record
Mailing Address	9036 179TH ST, 1, JAMAICA, NY 11432-5609
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Apr 24, 2024	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 2, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 27, 2021	Special Warranty Deed, Transfer · FHA Mortgage NVR MORTGAGE FINANCE INC
Dec 18, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2024 · Amount on Record
Deed Sale	Aug 14, 2024 · Amount on Record
Prior Sale	Apr 24, 2024 · Amount on Record
Deed Document Number	2024187425
Deed Book / Page	13227 / 2287
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Aug 28, 2026
Property Address	1684 AMBAR CT, WINTER HAVEN, FL 33881-8201
Document Number	0000210303
Book / Page	14134 / 704
Instrument Date	Aug 25, 2026
Instrument	2026210303
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9036 179TH ST, JAMAICA, NY 11432-5609

Mortgage

Document Number	0000210303,
Date	Aug 28, 2026
Book Page	14134/704
Instrument	2026210303

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 24, 2024
Property Address	1684 AMBAR CT, WINTER HAVEN, FL 33881-8201
Document Number	0000094322
Book / Page	13089 / 2113
Map Reference	MB 176 PG 32-34
Instrument Date	Apr 9, 2024
Instrument	2024094322
Transaction Type	Transfer
Record Updated	May 7, 2024
Title Company	THE TITLE STATION INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	698 EAGLE LANDING BLVD, WINTER HAVEN, FL 33880-5885

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1684 AMBAR CT, WINTER HAVEN, FL 33881-8201

Mortgage

Document Number	0130892115
Date	Apr 24, 2024
Instrument	13089/2115

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1684 AMBAR CT, WINTER HAVEN, FL 33881-8201
Transaction Type	Mortgage
Record Updated	Oct 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1684 AMBAR CT, WINTER HAVEN, FL 33881-8201

Mortgage

Document Number	0000230969
Date	Oct 2, 2023
Book Page	12856/1378
Instrument	2023230969

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	331 Months
Due	May 1, 2051

April 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 27, 2021
Property Address	1684 AMBAR CT, WINTER HAVEN, FL 33881-8201
Document Number	0000106610
Book / Page	11686 / 569
Map Reference	MB 176 PG 32-34
Instrument Date	Apr 23, 2021
Instrument	2021106610
Transaction Type	Transfer
Record Updated	Feb 23, 2023
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,720.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4307 VINELAND RD # RDH16, RDH16, ORLANDO, FL 32811-7178

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1684 AMBAR CT, WINTER HAVEN, FL 33881-8201

Mortgage

Document Number	0011686571
Date	Apr 27, 2021
Instrument	11686/571

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Dec 18, 2020
Property Address	1684 AMBAR CT, WINTER HAVEN, FL 33881-8201
Document Number	0115011984
Book / Page	011501 / 001984
Instrument Date	Dec 17, 2020
Instrument	274281
Transaction Type	Transfer
Record Updated	Jan 5, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$420.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4307 VINELAND RD #H20 ORLANDO FL 328117374, H20, ORLANDO, FL 32811-7374
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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		$259,058 (-3.23%) Land $39,000 Building $220,058	$259,058 (-3.23%) Land $39,000 Building $220,058
2025	$5,092.00 (+48.11%)	$267,696 (+20.83%) Land $39,000 Building $228,696	$267,696 (-1.46%) Land $39,000 Building $228,696
2023	$3,438.00 (+2.72%) Homeowner's exemption	$221,553 (+3%)	$271,661 (+26.3%) Land $38,000 Building $233,661
2022	$3,347.00 Homeowner's exemption	$215,100 Land $32,000 Building $183,100	$215,100 Land $32,000 Building $183,100

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	8 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	High above 73% of the US · above 57% of Florida
Wildfire Likelihood	0.3% 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 285 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Frontier, Hotwire Communications.

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