191 Sunfish Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 191 Sunfish Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,096 sqft · built 2020
Lot Size	0.144 acres (6,260 sqft)
Owner	Individual Name on File
Last Sale	$285,863 (Mar 2020)
Tax Bill	$3,865 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Aug 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-27-35-520574-000230`

Property Details

APN / Parcel Number

Primary APN	`26-27-35-520574-000230`
Alternative APNs	`352726520574000230` `52726000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,096 sqft Living Area
Gross Area	3,516 sqft
1st Floor Area	1,328 sqft
Upper Floors Area	1,768 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	6,260 sqft (0.144 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	120 sqft

Location & Zoning

Street Address	191 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 23
Legal Range	26E
Legal Township	27S
Legal Section	35
Legal Subdivision	LAKE LUCERNE PHASES 2 AND 3
Legal Block	2
Legal Lot Number	23
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2000
Census Tract	12804

Owner

191 Sunfish Dr is owned and occupied by an individual who bought it in March 2020.

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

Owner of Record	Individual Name on File
Mailing Address	191 SUNFISH DR, WINTER HAVEN, FL 33881-9407
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 1, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP
Mar 13, 2020	Grant Deed, Subdivision Related Transfer · FHA Mortgage KBHS HM LNS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2020 · Amount on File
Deed Sale	Mar 13, 2020 · Amount on File
Deed Document Number	202058643
Deed Book / Page	11175 / 539
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	191 SUNFISH DR, WINTER HAVEN, FL 33881-9407
Transaction Type	Mortgage
Record Updated	Jul 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 SUNFISH DR, WINTER HAVEN, FL 33881-9407

Mortgage

Document Number	0000152766
Date	Jun 29, 2023
Book Page	12746/1773
Instrument	2023152766

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	481 Months
Due	Jul 1, 2063

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	191 SUNFISH DR, WINTER HAVEN, FL 33881-9407
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 SUNFISH DR, WINTER HAVEN, FL 33881-9407

Mortgage

Document Number	0000208164
Date	Aug 1, 2022
Book Page	12361/78
Instrument	2022208164

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2052

March 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Mar 13, 2020
Property Address	191 SUNFISH DR, WINTER HAVEN, FL 33881-9407
Document Number	0111750539
Book / Page	011175 / 000539
Instrument Date	Mar 12, 2020
Instrument	58643
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 23, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,001.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 SUNFISH DR WINTER HAVEN FL 338819407, WINTER HAVEN, FL 33881-9407

Mortgage

Document Number	111750541
Date	Mar 13, 2020
Book Page	011175/000541
Instrument	58644

Lender

Name	KBHS HM LNS LLC
Address	IRVING, TX 75039

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 12, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 191 Sunfish Dr was $3,865 with a homeowner's exemption.

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		$256,930 (+2.7%)	$278,944 (-7.73%) Land $50,000 Building $228,944
2025	$3,865.00 Homeowner's exemption	$250,175	$302,308 Land $50,000 Building $252,308
2023	$3,649.00 (+2.88%) Homeowner's exemption	$236,043 (+3%)	$324,564 (+24.54%) Land $48,000 Building $276,564
2022	$3,547.00 Homeowner's exemption	$229,168	$260,601 Land $40,000 Building $220,601

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

Flood

FEMA maps place 191 Sunfish Dr in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2004.

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 File 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

Wildfire risk around 191 Sunfish Dr is moderate, ranking above 59% 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 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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