Polk County property record for 204 Lake Thomas Dr, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,092 sqft · built 1979 |
| Lot Size | 0.235 acres (10,215 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $156,000 (May 2026) |
| Tax Bill | $1,523 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage May 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-28-35-354940-001040 |
| Primary APN | 25-28-35-354940-001040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,092 sqft Living Area |
| Gross Area | 1,430 sqft |
| 1st Floor Area | 1,092 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 10,215 sqft (0.235 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 338 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 72 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 204 LAKE THOMAS DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-1122 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LAKE THOMAS ESTATES UNIT #4 PB 60 PG 7 BLK 1 LOT 4 |
| Legal Range | 25E |
| Legal Township | 28S |
| Legal Section | 35 |
| Legal Subdivision | LAKE THOMAS ESTATES UNIT 4 |
| Legal Tract | 354940 |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Legal Unit | 4 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 14703 |
Source: Polk County records · APN 25-28-35-354940-001040
Assessment roll updated June 23, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 625 COMMERCE DR, 308, LAKELAND, FL 33813-2733 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Jan 02, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 29, 2026 | Warranty Deed, Transfer · Conventional Mortgage TSI TITLE AND ESCROW, LOTUS TITLE & ESCROW |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 29, 2026 · Amount on Record |
| Deed Sale | May 29, 2026 · Amount on Record |
| Prior Sale | May 14, 2024 · Amount on Record |
| Deed Document Number | 2026127534 |
| Deed Book / Page | 14016 / 780 |
| Prior Transfer Date | Jul 23, 2024 |
| Prior Transfer Doc | 0000170706 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 204 LAKE THOMAS DR, WINTER HAVEN, FL 33880-1122 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 204 LAKE THOMAS DR, WINTER HAVEN, FL 33880-1122 |
| Document Number | 0000000390 |
|---|---|
| Date | Jan 02, 2026 |
| Book Page | 13830/1791 |
| Instrument | 2026000390 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 29, 2026 |
| Property Address | 204 LAKE THOMAS DR, WINTER HAVEN, FL 33880-1122 |
| Document Number | 0000127534 |
| Book / Page | 14016 / 780 |
| Instrument Date | May 27, 2026 |
| Instrument | 2026127534 |
| Transaction Type | Transfer |
| Record Updated | Jun 09, 2026 |
| Title Company | TSI TITLE AND ESCROW, LOTUS TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $110,292.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Investor | Possibly a Property Investor |
| Document Number | 0000127535, |
|---|---|
| Date | May 29, 2026 |
| Instrument | 2026127535 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,523.00 (+75.87%) | $191,855 (+277.53%) Land $31,000 Building $160,855 | $191,855 (+13.96%) Land $31,000 Building $160,855 |
| 2023 | $866.00 (+2.24%) Homeowner's exemption | $50,818 (+3%) | $168,350 (+22.58%) Land $30,000 Building $138,350 |
| 2022 | $847.00 Homeowner's exemption | $49,338 | $137,341 Land $25,000 Building $112,341 |
Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 Record median of 39 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 39 in force |
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 360 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CENTRAL serves 13,595 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2023 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 10 last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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