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187 Lake Thomas Dr, Winter Haven, FL 33880 Property Records

Polk County property record for 187 Lake Thomas Dr, Winter Haven, FL 33880

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,800 sqft · built 2005
Lot Size0.294 acres (12,798 sqft)
Owner2 Individual Names on File
Last Sale$174,900 (Aug 2017)
Tax Bill$1,641 (2025)
Deeds & MortgagesFeb 2021 Mortgage
Nov 2019 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN25-28-35-355070-000490

Property Details

APN / Parcel Number

Primary APN25-28-35-355070-000490
Alternative APNs
  • 352825355070000490
  • 52825000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,800 sqft Living Area
Gross Area2,200 sqft
1st Floor Area1,800 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area12,798 sqft (0.294 acres)
Lot Dimensions128 ft deep x 100 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area400 sqft
PorchUnfinished Open Porch
Porch Area168 sqft

Location & Zoning

Street Address187 LAKE THOMAS DR
CityWINTER HAVEN
StateFL
Zip33880-7135
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKE THOMAS WOODS EIGHTH ADDITION LYING IN PT OF SECS 26 & 35 T28 R25 PB 111 PGS 37 & 38 LOT 49
Legal Range25E
Legal Township28S
Legal Section35
Legal SubdivisionLAKE THOMAS WOODS EIGHTH ADDITION
Legal Tract355070
Legal Block1
Legal Lot Number49
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group1
Census Block1013
Census Tract14703

Owner

187 Lake Thomas Dr is owned and occupied by two individuals who bought it in August 2017.

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

Owner of Record2 Individual Names on File
Mailing Address187 LAKE THOMAS DR, WINTER HAVEN, FL 33880-7135
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Feb 23, 2021Deed of Trust, Mortgage · FHA Mortgage
QUICKEN LOANS LLC
Nov 22, 2019Deed of Trust, Mortgage · FHA Mortgage
QUICKEN LNS
Aug 18, 2017Warranty Deed, Transfer · FHA Mortgage
THE MTG FIRM

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 18, 2017 · Amount on File
Deed SaleAug 18, 2017 · Amount on File
Prior SaleMay 30, 2008 · Amount on File
Deed Document Number2017160055
Deed Book / Page10238 / 581
Prior Transfer DateNov 27, 2007
Prior Transfer Doc0000238429
Record UpdatedOct 29, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address187 LAKE THOMAS DR, WINTER HAVEN, FL 33880-7135
Transaction TypeMortgage
Record UpdatedMar 11, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000044463
DateFeb 23, 2021
Book Page11589/1682
Instrument2021044463
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2051

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address187 LAKE THOMAS DR, WINTER HAVEN, FL 33880-7135
Document Number0110591448
Instrument DateNov 22, 2019
Transaction TypeMortgage
Record UpdatedDec 20, 2019
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address187 LAKE THOMAS DR WINTER HAVEN FL 338807135, WINTER HAVEN, FL 33880-7135

Mortgage

Document Number0110591448
DateDec 2, 2019
Book Page011059/001448
Instrument254720
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueDec 1, 2049

August 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateAug 18, 2017
Property Address187 LAKE THOMAS DR, WINTER HAVEN, FL 33880-7135
Document Number0102380581
Book / Page010238 / 000581
Instrument DateAug 15, 2017
Instrument160055
Transaction TypeTransfer
Record UpdatedNov 20, 2018
Title CompanyHILLSBOROUGH TITLE INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,224.30
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address187 LAKE THOMAS DR WINTER HAVEN FL 338807135, WINTER HAVEN, FL 33880-7135

Mortgage

Document Number102380583
DateAug 18, 2017
Book Page010238/000583
Instrument160056
Lender
NameTHE MTG FIRM
TypeMortgage Company
AddressALTAMONTE SPRINGS, FL 32714
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueAug 17, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 187 Lake Thomas Dr was $1,641 with a homeowner's exemption.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$171,668 (+2.7%)$238,927 (-2.19%) Land $42,000 Building $196,927
2025$1,641.00 Homeowner's exemption$167,155$244,287 Land $42,000 Building $202,287
2023$2,213.00 (+4.88%) Homeowner's exemption$157,713 (+3%)$238,749 (+20.4%) Land $40,000 Building $198,749
2022$2,110.00 Homeowner's exemption$153,119$198,293 Land $34,000 Building $164,293

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 187 Lake Thomas 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 39 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies39 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

Wildfire risk around 187 Lake Thomas Dr is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 46% of the US · lower than 83% of Florida
Wildfire Likelihood0.09% annual chance
ExposureDirect
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 SystemCENTRAL
serves 13,595 people · EPA ID FL6534609
Water SourceGroundwater
Last State InspectionApr 2023
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting10
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 327 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		100 / 20

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