206 Sunfish Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 206 Sunfish Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,696 sqft · built 2020
Lot Size	0.144 acres (6,255 sqft)
Owner	2 Individual Names on Record
Last Sale	$237,543 (Jun 2020)
Tax Bill	$4,542 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Jul 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-27-35-520574-002210`

Property Details

APN / Parcel Number

Primary APN	`26-27-35-520574-002210`
Alternative APNs	`352726520574002210` `52726000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,696 sqft Living Area
Gross Area	2,137 sqft
1st Floor Area	1,696 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	6,255 sqft (0.144 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Unfinished Open Porch
Porch Area	170 sqft

Location & Zoning

Street Address	206 SUNFISH DR
City	WINTER HAVEN
State	FL
Zip	33881-9418
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE LUCERNE PHASES 2 AND 3 PB 173 PG 1-3 LOT 221
Legal Range	26E
Legal Township	27S
Legal Section	35
Legal Subdivision	LAKE LUCERNE PHASES 2 AND 3
Legal Block	2
Legal Lot Number	221
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2000
Census Tract	12804

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	206 SUNFISH DR, WINTER HAVEN, FL 33881-9418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 12, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 10, 2020	Grant Deed, Subdivision Related Transfer · FHA Mortgage KBHS HM LNS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2020 · Amount on Record
Deed Sale	Jun 10, 2020 · Amount on Record
Deed Document Number	2020114588
Deed Book / Page	11259 / 2238
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	206 SUNFISH DR, WINTER HAVEN, FL 33881-9418
Transaction Type	Mortgage
Record Updated	Oct 11, 2023
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 SUNFISH DR, WINTER HAVEN, FL 33881-9418

Mortgage

Document Number	0000225669
Date	Sep 27, 2023
Book Page	12849/841
Instrument	2023225669

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Jul 1, 2052

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	206 SUNFISH DR, WINTER HAVEN, FL 33881-9418
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 SUNFISH DR, WINTER HAVEN, FL 33881-9418

Mortgage

Document Number	0000189049
Date	Jul 12, 2022
Book Page	12334/102
Instrument	2022189049

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	DENVER, CO 80249

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

June 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jun 10, 2020
Property Address	206 SUNFISH DR, WINTER HAVEN, FL 33881-9418
Document Number	0112592238
Book / Page	011259 / 002238
Instrument Date	Jun 2, 2020
Instrument	114588
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 30, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,663.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	206 SUNFISH DR WINTER HAVEN FL 338819418, WINTER HAVEN, FL 33881-9418

Mortgage

Document Number	112592240
Date	Jun 10, 2020
Book Page	011259/002240
Instrument	114589

Lender

Name	KBHS HM LNS LLC
Address	IRVING, TX 75039

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 9, 2050

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		$223,588 (-7.96%) Land $50,000 Building $173,588	$223,588 (-7.96%) Land $50,000 Building $173,588
2025	$4,542.00 (+3.6%)	$242,938 (-7.77%) Land $50,000 Building $192,938	$242,938 (-7.77%) Land $50,000 Building $192,938
2023	$4,384.00 (+9.79%)	$263,408 (+12.09%) Land $48,000 Building $215,408	$263,408 (+12.09%) Land $48,000 Building $215,408
2022	$3,993.00	$235,007 Land $40,000 Building $195,007	$235,007 Land $40,000 Building $195,007

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 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

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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