1778 White Elephant Loop, Winter Haven, FL 33884 Property Records

Polk County property record for 1778 White Elephant Loop, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,528 sqft · built 2025
Lot Size	0.126 acres (5,493 sqft)
Owner	2 Individual Names on File
Last Sale	$298,900 (Jan 2026)
Tax Bill	$760 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-16-689010-000400`

Property Details

APN / Parcel Number

Primary APN	`26-29-16-689010-000400`
Alternative APN	`162926689010000400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,528 sqft Living Area
Gross Area	1,948 sqft
1st Floor Area	1,528 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	5,493 sqft (0.126 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Unfinished Open Porch

Location & Zoning

Street Address	1778 WHITE ELEPHANT LOOP
City	WINTER HAVEN
State	FL
Zip	33884-3363
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PEACH CROSSINGS PB 201 PGS 18-19 LOT 40
Legal Subdivision	PEACH CROSSINGS
Legal Block	2
Legal Lot Number	40
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4041
Census Tract	14501

Owner

Source: Polk County records · APN 26-29-16-689010-000400

Assessment roll updated July 23, 2026 · Last verified August 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	1778 WHITE ELEPHANT LOOP, WINTER HAVEN, FL 33884-3363
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 15, 2026 · Amount on Record
Deed Sale	Jan 15, 2026 · Amount on Record
Deed Document Number	202612536
Deed Book / Page	13848 / 1213
Record Updated	Sep 20, 2026

January 2026: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 15, 2026
Property Address	1778 WHITE ELEPHANT LOOP, WINTER HAVEN, FL 33884-3363
Document Number	0000012536
Book / Page	13848 / 1213
Map Reference	MB 201 PG 18
Instrument Date	Jan 09, 2026
Instrument	2026012536
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 03, 2026
Title Company	EMPOWER TITLE, EMPOWER TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,092.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1450 LAKE ROBBINS DR # DR430, DR430, THE WOODLANDS, TX 77380-3258

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1778 WHITE ELEPHANT LOOP, WINTER HAVEN, FL 33884-3363

Mortgage

Document Number	0138481215
Date	Jan 15, 2026
Instrument	13848/1215

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2056

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$760.00 (+265.38%)	$40,000 Land $40,000	$40,000 Land $40,000
2024	$208.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 97 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	97 in force
Nearby Flood Claims	8 (2004–2022)
Claims Outside the SFHA	4 of 8
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 2 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 claims

Wildfire

Wildfire Risk	Moderate above 63% of the US · lower than 61% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Frontier.

Based on FCC filings for 282 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WINTER HAVEN WATER DEPARTMENT serves 87,537 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.