178 Sunfish Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 178 Sunfish Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,696 sqft · built 2020
Lot Size	0.144 acres (6,260 sqft)
Owner	2 Individual Names on File
Last Sale	$299,000 (Oct 2021)
Tax Bill	$3,782 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-27-35-520574-002280`

Property Details

APN / Parcel Number

Primary APN	`26-27-35-520574-002280`
Alternative APNs	`352726520574002280` `52726000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,696 sqft Living Area
Gross Area	2,237 sqft
1st Floor Area	1,696 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
Roof Type	Hip
Roof Material	Other
Lot Area	6,260 sqft (0.144 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Florida Room
Porch Area	65 sqft

Location & Zoning

Street Address	178 SUNFISH DR
City	WINTER HAVEN
State	FL
Zip	33881-9406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE LUCERNE PHASES 2 AND 3 PB 173 PG 1-3 LOT 228
Legal Range	26E
Legal Township	27S
Legal Section	35
Legal Subdivision	LAKE LUCERNE PHASES 2 AND 3
Legal Block	2
Legal Lot Number	228
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2000
Census Tract	12804

Owner

Source: Polk County assessment roll, as of June 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	178 SUNFISH DR, WINTER HAVEN, FL 33881-9406
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 26, 2021	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Feb 20, 2020	Grant Deed, Subdivision Related Transfer · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 26, 2021 · Amount on Record
Deed Sale	Oct 26, 2021 · Amount on Record
Prior Sale	Feb 20, 2020 · Amount on Record
Deed Document Number	2021278364
Deed Book / Page	11952 / 2036
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	178 SUNFISH DR, WINTER HAVEN, FL 33881-9406
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 SUNFISH DR, WINTER HAVEN, FL 33881-9406

Mortgage

Document Number	0000045443
Date	Feb 23, 2021
Book Page	11591/591
Instrument	2021045443

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

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

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 26, 2021
Property Address	178 SUNFISH DR, WINTER HAVEN, FL 33881-9406
Document Number	0000278364
Book / Page	11952 / 2036
Map Reference	MB 173 PG 1-3
Instrument Date	Sep 8, 2021
Instrument	2021278364
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,093.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13339 ROSKIN LN, 13339, WINDERMERE, FL 34786-6368

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 SUNFISH DR, WINTER HAVEN, FL 33881-9406

Mortgage

Document Number	0119522038
Date	Oct 26, 2021
Instrument	11952/2038

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

February 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Feb 20, 2020
Property Address	178 SUNFISH DR, WINTER HAVEN, FL 33881-9406
Document Number	0111471572
Book / Page	011147 / 001572
Instrument Date	Feb 19, 2020
Instrument	39379
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 11, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,554.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	178 SUNFISH DR WINTER HAVEN FL 338819406, WINTER HAVEN, FL 33881-9406

Mortgage

Document Number	111471574
Date	Feb 20, 2020
Book Page	011147/001574
Instrument	39380

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 19, 2050

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 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
2025	$3,782.00 (-0.71%) Homeowner's exemption	$245,718 (+0.49%) Land $50,000 Building $195,718	$245,718 (-7.76%) Land $50,000 Building $195,718
2023	$3,809.00 (+3.48%) Homeowner's exemption	$244,516 (+3.51%)	$266,396 (+12.77%) Land $48,000 Building $218,396
2022	$3,681.00 Homeowner's exemption	$236,234 Land $40,000 Building $196,234	$236,234 Land $40,000 Building $196,234

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

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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