Polk County property record for 185 Fish Hawk Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,034 sqft · built 2006 |
| Lot Size | 0.25 acres (10,881 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $222,000 (Jun 2018) |
| Tax Bill | $2,146 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-24-690593-000050 |
| Primary APN | 26-29-24-690593-000050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,034 sqft Living Area |
| Gross Area | 3,430 sqft |
| 1st Floor Area | 1,364 sqft |
| Upper Floors Area | 1,670 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 10,881 sqft (0.25 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 396 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 132 sqft |
| Street Address | 185 FISH HAWK DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-4168 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HART LAKE COVE PHASE 1 PB 135 PGS 1 & 2 LOT 5 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 24 |
| Legal Subdivision | HART LAKE COVE PHASE 1 |
| Legal Phase | 1 |
| Legal Tract | 690593 |
| Legal Block | 2 |
| Legal Lot Number | 5 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 14401 |
185 Fish Hawk Dr is owned and occupied by two individuals who bought it in June 2018.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 185 FISH HAWK DR, WINTER HAVEN, FL 33884-4168 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 23, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Feb 5, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jan 17, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Jun 14, 2018 | Warranty Deed, Transfer RP FNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 14, 2018 · Amount on File |
| Deed Sale | Jun 14, 2018 · Amount on File |
| Prior Sale | Apr 6, 2006 · Amount on File |
| Deed Document Number | 2018127912 |
| Deed Book / Page | 10518 / 366 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 185 FISH HAWK DR, WINTER HAVEN, FL 33884-4168 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 185 FISH HAWK DR, WINTER HAVEN, FL 33884-4168 |
| Document Number | 0000048451 |
|---|---|
| Date | Feb 23, 2022 |
| Book Page | 12128/1565 |
| Instrument | 2022048451 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 185 FISH HAWK DR, WINTER HAVEN, FL 33884-4168 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2021 |
| Name | Verified Name |
|---|---|
| Address | 185 FISH HAWK DR, WINTER HAVEN, FL 33884-4168 |
| Document Number | 0000030900 |
|---|---|
| Date | Feb 5, 2021 |
| Book Page | 11569/2245 |
| Instrument | 2021030900 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 185 FISH HAWK DR, WINTER HAVEN, FL 33884-4168 |
| Document Number | 0111210677 |
| Instrument Date | Jan 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 185 FISH HAWK DR WINTER HAVEN FL 338844168, WINTER HAVEN, FL 33884-4168 |
| Document Number | 0111210677 |
|---|---|
| Date | Jan 28, 2020 |
| Book Page | 011121/000677 |
| Instrument | 20462 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 27, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 14, 2018 |
| Property Address | 185 FISH HAWK DR, WINTER HAVEN, FL 33884-4168 |
| Document Number | 0105180366 |
| Book / Page | 010518 / 000366 |
| Instrument Date | Jun 11, 2018 |
| Instrument | 127912 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2018 |
| Title Company | REAL ESTATE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,554.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 185 FISH HAWK DR WINTER HAVEN FL 338844168, WINTER HAVEN, FL 33884-4168 |
| Document Number | 105180367 |
|---|---|
| Date | Jun 14, 2018 |
| Book Page | 010518/000367 |
| Instrument | 127913 |
| Name | RP FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | MAITLAND, FL 32751 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 13, 2048 |
The 2025 property tax bill for 185 Fish Hawk Dr was $2,146 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $162,542 (+2.7%) | $290,789 (-1.66%) Land $52,000 Building $238,789 | |
| 2025 | $2,146.00 Homeowner's exemption | $158,269 | $295,706 Land $52,000 Building $243,706 |
| 2023 | $2,011.00 (+3.39%) Homeowner's exemption | $149,329 (+3%) | $287,640 (+13.64%) Land $50,000 Building $237,640 |
| 2022 | $1,945.00 Homeowner's exemption | $144,980 | $253,118 Land $42,000 Building $211,118 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 185 Fish Hawk Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File median of 29 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 29 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 risk around 185 Fish Hawk Dr is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · above 43% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 214 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 |
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