20 Pilot Pl, Winter Haven, FL 33881 Property Records

Polk County property record for 20 Pilot Pl, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,654 sqft · built 1999
Lot Size	0.3 acres (13,051 sqft)
Owner	2 Individual Names on Record
Last Sale	$303,000 (Jan 2025)
Tax Bill	$3,642 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Oct 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-07-528102-001700`

Property Details

APN / Parcel Number

Primary APN	`26-28-07-528102-001700`
Alternative APNs	`072826528102001700` `72826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,654 sqft Living Area
Gross Area	2,256 sqft
1st Floor Area	1,654 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Tile
Lot Area	13,051 sqft (0.3 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	552 sqft
Porch	Florida Room
Porch Area	50 sqft

Location & Zoning

Street Address	20 PILOT PL
City	WINTER HAVEN
State	FL
Zip	33881-5505
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAGLES LANDING PB 97 PGS 30 THRU 32 LOT 17 & INTEREST IN COMMON AREAS
Legal Range	26E
Legal Township	28S
Legal Section	07
Legal Subdivision	EAGLES LANDING
Legal Tract	528102
Legal Block	3
Legal Lot Number	17
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	3
Census Block	3019
Census Tract	13500

Owner

Source: Polk County records, as of September 28, 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 Record
Mailing Address	403 PILOT PL, WINTER HAVEN, FL 33881-5520
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2023	Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC
Oct 14, 2022	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Jul 15, 2020	Deed of Trust, Mortgage · VA Mortgage FAIRWAY INDEPENDENT MTG
Jul 3, 2019	Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MTG
Jun 5, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2025 · Amount on Record
Deed Sale	Jan 30, 2025 · Amount on Record
Prior Sale	Oct 5, 2023 · Amount on Record
Deed Document Number	202521952
Deed Book / Page	13416 / 1633
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 5, 2023
Property Address	20 PILOT PL, WINTER HAVEN, FL 33881-5505
Document Number	0000235038
Book / Page	12861 / 2130
Map Reference	MB 97 PG 30-32
Instrument Date	Sep 29, 2023
Instrument	2023235038
Transaction Type	Transfer
Record Updated	Oct 19, 2023
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	703 DOVER PARK TRL, MANSFIELD, TX 76063-8833

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 PILOT PL, WINTER HAVEN, FL 33881-5505

Mortgage

Document Number	0128612132
Date	Oct 5, 2023
Instrument	12861/2132

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

Mortgage

Document Number	0000235040
Date	Oct 5, 2023
Book Page	12861/2145
Instrument	2023235040

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2033

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	20 PILOT PL, WINTER HAVEN, FL 33881-5505
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 PILOT PL, WINTER HAVEN, FL 33881-5505

Mortgage

Document Number	0000272202
Date	Oct 14, 2022
Book Page	12449/1406
Instrument	2022272202

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 16, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	20 PILOT PL, WINTER HAVEN, FL 33881-5505
Document Number	0113091360
Instrument Date	Jul 15, 2020
Transaction Type	Mortgage
Record Updated	Aug 11, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 PILOT PL WINTER HAVEN FL 338815505, WINTER HAVEN, FL 33881-5505

Mortgage

Document Number	0113091360
Date	Jul 24, 2020
Book Page	011309/001360
Instrument	148595

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 3, 2019
Property Address	20 PILOT PL, WINTER HAVEN, FL 33881-5505
Document Number	0108971161
Book / Page	010897 / 001161
Instrument Date	Jun 27, 2019
Instrument	139638
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20 PILOT PL WINTER HAVEN FL 338815505, WINTER HAVEN, FL 33881-5505

Mortgage

Document Number	108971163
Date	Jul 3, 2019
Book Page	010897/001163
Instrument	139639

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 5, 2018
Property Address	20 PILOT PL, WINTER HAVEN, FL 33881-5505
Document Number	0105052059
Book / Page	010505 / 002059
Instrument Date	May 31, 2018
Instrument	118987
Transaction Type	Transfer
Record Updated	Jun 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,155.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	20 PILOT PL WINTER HAVEN FL 338815505, WINTER HAVEN, FL 33881-5505

Tax Assessment & Valuation

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		$230,849 (-1.79%) Land $37,000 Building $193,849	$230,849 (-1.79%) Land $37,000 Building $193,849
2025	$3,642.00 (+60.16%)	$235,055 (+45.92%) Land $37,000 Building $198,055	$235,055 (+3.19%) Land $37,000 Building $198,055
2023	$2,274.00 (+3.13%) Homeowner's exemption	$161,087 (+3%)	$227,781 (+13.89%) Land $36,000 Building $191,781
2022	$2,205.00 Homeowner's exemption	$156,395	$199,993 Land $30,000 Building $169,993

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 18 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	18 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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