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20 Lamplight Ln, Winter Haven, FL 33884 Property Records

Polk County property record for 20 Lamplight Ln, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,120 sqft · built 1972
Lot Size0.181 acres (7,902 sqft)
Owner2 Individual Names on Record
Last Sale$215,000 (Jan 2024)
Tax Bill$1,846 (2025)
Deeds & MortgagesJan 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN27-29-07-000000-033290

Property Details

APN / Parcel Number

Primary APN27-29-07-000000-033290
Alternative APNs
  • 072927000000033290
  • 72927000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,120 sqft Living Area
1st Floor Area1,120 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1972
Effective Year BuiltEffective 1972
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area7,902 sqft (0.181 acres)
Lot Dimensions100 ft deep x 79 ft wide
View / LotCommercial/Industrial
Garage TypeCarport
Garage Area342 sqft
CarportCarport
Carport Area342 sqft

Exterior Amenities

PorchScreened/Unfinished Porch
Porch Area168 sqft
Shed1 Shed
Utility Building154 sqft

Location & Zoning

Street Address20 LAMPLIGHT LN
CityWINTER HAVEN
StateFL
Zip33884-3222
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR2
Legal DescriptionW 79 FT OF E 229 FT OF S 100 FT OF N 625 FT OF W1/2 OF NW1/4 OF NW1/4 BEING LOT 32 OF UNREC HAVEN GROVE MANOR
Legal Range27E
Legal Township29S
Legal Section07
Legal SubdivisionHAVEN GROVE MANOR
Legal Tract000000
Legal Block1
Legal Lot Number32
JurisdictionPOLK FL
Township / Civil DivisionHAINES CITY
Census Block Group1
Census Block1051
Census Tract14123

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address20 LAMPLIGHT LN, WINTER HAVEN, FL 33884-3222
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 17, 2024 · Amount on Record
Deed SaleJan 17, 2024 · Amount on Record
Prior SaleJul 7, 2015 · Amount on Record
Deed Document Number202412373
Deed Book / Page12975 / 1030
Record UpdatedOct 29, 2026

January 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJan 17, 2024
Property Address20 LAMPLIGHT LN, WINTER HAVEN, FL 33884-3222
Document Number0000012373
Book / Page12975 / 1030
Instrument DateJan 12, 2024
Instrument2024012373
Transaction TypeTransfer
Record UpdatedJan 30, 2024
Title CompanyRIDGE SECURITY TITLE INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,505.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address7024 GEORGIA AVE N, BROOKLYN PARK, MN 55428-1735

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address20 LAMPLIGHT LN, WINTER HAVEN, FL 33884-3222

Mortgage

Document Number0129751032
DateJan 17, 2024
Instrument12975/1032
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2054

Mortgage

Document Number0000012375
DateJan 17, 2024
Book Page12975/1046
Instrument2024012375
Lender
NameFLORIDA HOUSING FINANCE CORP
TypeGovernment Agency
AddressTALLAHASSEE, FL 32301
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

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$174,945 (-4.4%) Land $31,000 Building $143,945$174,945 (-4.4%) Land $31,000 Building $143,945
2025$1,846.00 (+172.27%) Homeowner's exemption$182,990 (+351.08%) Land $31,000 Building $151,990$182,990 (-1.72%) Land $31,000 Building $151,990
2023$678.00 (+6.77%) Homeowner's exemption$40,567 (+3%)$186,189 (+16.18%) Land $30,000 Building $156,189
2022$635.00 Homeowner's exemption$39,385$160,256 Land $21,567 Building $138,689

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 26 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies26 in force
Nearby Flood Claims24 (1979–2022)
Claims Outside the SFHA3 of 24
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Frances, Sep 2004 · 20 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 RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 467 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

May also be available: Frontier.

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