Polk County property record for 207 Lake Thomas Dr, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,696 sqft · built 1990 |
| Lot Size | 0.314 acres (13,678 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Dec 2018) |
| Tax Bill | $1,916 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Dec 2018 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 25-28-35-354940-002040 |
| Primary APN | 25-28-35-354940-002040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,696 sqft Living Area |
| Gross Area | 2,176 sqft |
| 1st Floor Area | 1,696 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 13,678 sqft (0.314 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 544 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|
| Street Address | 207 LAKE THOMAS DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-1123 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | XX |
| Legal Description | LAKE THOMAS ESTATES UNIT #4 PB 60 PG 7 BLK 2 LOT 4 |
| Legal Range | 25E |
| Legal Township | 28S |
| Legal Section | 35 |
| Legal Subdivision | LAKE THOMAS ESTATES UNIT 4 |
| Legal Tract | 354940 |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Legal Unit | 4 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 14703 |
Source: Polk County records · APN 25-28-35-354940-002040
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 Individual Names on File |
|---|---|
| Mailing Address | 207 LAKE THOMAS DR, WINTER HAVEN, FL 33880-1123 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 07, 2020 | Deed of Trust, Mortgage · Conventional with PMI LAKEVIEW LN SERVICING |
| Dec 05, 2018 | Warranty Deed, Transfer · VA Mortgage NBKC BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 05, 2018 · Amount on Record |
| Deed Sale | Dec 05, 2018 · Amount on Record |
| Prior Sale | Oct 07, 2015 · Amount on Record |
| Deed Document Number | 2018252451 |
| Deed Book / Page | 10689 / 342 |
| Prior Transfer Date | Apr 01, 2003 |
| Prior Transfer Doc | 5380001246 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 207 LAKE THOMAS DR, WINTER HAVEN, FL 33880-1123 |
| Document Number | 0113140675 |
| Instrument Date | Jul 07, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 207 LAKE THOMAS DR WINTER HAVEN FL 338801123, WINTER HAVEN, FL 33880-1123 |
| Document Number | 0113140675 |
|---|---|
| Date | Jul 28, 2020 |
| Book Page | 011314/000675 |
| Instrument | 151514 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | CORAL GABLES, FL 33146 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 27, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 05, 2018 |
| Property Address | 207 LAKE THOMAS DR, WINTER HAVEN, FL 33880-1123 |
| Document Number | 0106890342 |
| Book / Page | 010689 / 000342 |
| Instrument Date | Nov 30, 2018 |
| Instrument | 252451 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2018 |
| Title Company | UNITED TITLE, UNITED TITLE GRP LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,330.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 207 LAKE THOMAS DR WINTER HAVEN FL 338801123, WINTER HAVEN, FL 33880-1123 |
| Document Number | 106890344 |
|---|---|
| Date | Dec 05, 2018 |
| Book Page | 010689/000344 |
| Instrument | 252452 |
| Name | NBKC BK |
|---|---|
| Address | KANSAS CITY, MO 64114 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 04, 2048 |
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,916.00 (-21.73%) Homeowner's exemption | $188,423 (+5.99%) | $282,938 (-1.75%) Land $66,000 Building $216,938 |
| 2023 | $2,448.00 (+4.79%) Homeowner's exemption | $177,780 (+3%) | $287,975 (+19.39%) Land $64,000 Building $223,975 |
| 2022 | $2,336.00 Homeowner's exemption | $172,602 | $241,210 Land $53,000 Building $188,210 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 136.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 327 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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