175 Sunfish Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 175 Sunfish Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,944 sqft · built 2020
Lot Size	0.168 acres (7,322 sqft)
Owner	Company Name on Record
Last Sale	$307,000 (Oct 2021)
Tax Bill	$4,018 (2025)
Deeds & Mortgages	May 2021 Mortgage Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-27-35-520574-000190`

Property Details

APN / Parcel Number

Primary APN	`26-27-35-520574-000190`
Alternative APNs	`352726520574000190` `52726000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,944 sqft Living Area
Gross Area	2,427 sqft
1st Floor Area	1,944 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	7,322 sqft (0.168 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	483 sqft
Porch	Unfinished Open Porch
Porch Area	136 sqft

Location & Zoning

Street Address	175 SUNFISH DR
City	WINTER HAVEN
State	FL
Zip	33881-9407
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE LUCERNE PHASES 2 AND 3 PB 173 PG 1-3 LOT 19
Legal Range	26E
Legal Township	27S
Legal Section	35
Legal Subdivision	LAKE LUCERNE PHASES 2 AND 3
Legal Block	2
Legal Lot Number	19
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2000
Census Tract	12804

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1170 CELEBRATION BLVD, 202, KISSIMMEE, FL 34747-4604
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 5, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 12, 2021	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 13, 2020	Grant Deed, Subdivision Related Transfer · VA Mortgage KBHS HM LNS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 12, 2021 · Amount on Record
Deed Sale	Oct 12, 2021 · Amount on Record
Prior Sale	Apr 13, 2020 · Amount on Record
Deed Document Number	2021267325
Deed Book / Page	11936 / 907
Last Transfer Date	Feb 26, 2026
Transfer Doc	0000048863
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	175 SUNFISH DR, WINTER HAVEN, FL 33881-9407
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 SUNFISH DR, WINTER HAVEN, FL 33881-9407

Mortgage

Document Number	0000116297
Date	May 5, 2021
Book Page	11701/298
Instrument	2021116297

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 12, 2021
Property Address	175 SUNFISH DR, WINTER HAVEN, FL 33881-9407
Document Number	0000267325
Book / Page	11936 / 907
Map Reference	MB 173 PG 1-3
Instrument Date	Oct 7, 2021
Instrument	2021267325
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,149.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9595 WILLIAMSBURG DR, 9595, WINTER HAVEN, FL 33884-4850

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 SUNFISH DR, WINTER HAVEN, FL 33881-9407

Mortgage

Document Number	0011936909
Date	Oct 12, 2021
Instrument	11936/909

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

April 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Apr 13, 2020
Property Address	175 SUNFISH DR, WINTER HAVEN, FL 33881-9407
Document Number	0112031424
Book / Page	011203 / 001424
Instrument Date	Apr 9, 2020
Instrument	77450
Transaction Type	Subdivision Related Transfer
Record Updated	May 12, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,689.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 SUNFISH DR WINTER HAVEN FL 338819407, WINTER HAVEN, FL 33881-9407

Mortgage

Document Number	112031426
Date	Apr 13, 2020
Book Page	011203/001426
Instrument	77451

Lender

Name	KBHS HM LNS LLC
Address	IRVING, TX 75039

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2050

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		$241,943 (-8.14%) Land $50,000 Building $191,943	$241,943 (-8.14%) Land $50,000 Building $191,943
2025	$4,018.00 (-10.79%) Homeowner's exemption	$263,374 (-8.02%) Land $50,000 Building $213,374	$263,374 (-8.02%) Land $50,000 Building $213,374
2023	$4,504.00 (-7.63%) Homeowner's exemption	$286,325 (+11.72%) Land $48,000 Building $238,325	$286,325 (+11.72%) Land $48,000 Building $238,325
2022	$4,876.00	$256,299 Land $40,000 Building $216,299	$256,299 Land $40,000 Building $216,299

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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