Polk County property record for 2118 Chris Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,486 sqft · built 2025 |
| Lot Size | 0.132 acres (5,759 sqft) |
| Owner | Individual Name on File |
| Last Sale | $252,000 (Jun 2026) |
| Tax Bill | $897 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Feb 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-36-692300-004550 |
| Primary APN | 26-29-36-692300-004550 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,486 sqft Living Area |
| Gross Area | 1,906 sqft |
| 1st Floor Area | 1,486 sqft |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 5,759 sqft (0.132 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Unfinished Open Porch |
| Street Address | 2118 CHRIS DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PEACE CREEK RESERVE PB 197 PGS 5-15 LOT 455 |
| Legal Subdivision | PEACE CREEK RESERVE |
| Legal Block | 1 |
| Legal Lot Number | 455 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 14402 |
2118 Chris Dr is owned and occupied by an individual who bought it in June 2026.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2118 CHRIS DR, WINTER HAVEN, FL 33884 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 1, 2026 | Warranty Deed · Conventional Mortgage BANK OF AMIERCA NA |
| Feb 16, 2026 | Special Warranty Deed, Transfer OS NATIONAL LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2026 · Amount on File |
| Deed Sale | Jun 1, 2026 · Amount on File |
| Prior Sale | Feb 16, 2026 · Amount on File |
| Deed Document Number | 2026129343 |
| Deed Book / Page | 14018 / 1282 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 1, 2026 |
| Document Number | 0000129343 |
| Book / Page | 14018 / 1282 |
| Instrument Date | May 27, 2026 |
| Instrument | 2026129343 |
| Record Updated | Jun 11, 2026 |
| Title Company | ATTORNEY LAND TITLE, ATTORNEYS CLOSING & TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $178,164.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000129344, |
|---|---|
| Date | Jun 1, 2026 |
| Instrument | 2026129344 |
| Name | BANK OF AMIERCA NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 16, 2026 |
| Property Address | 2118 CHRIS DR, WINTER HAVEN, FL 33884 |
| Document Number | 0000038405 |
| Book / Page | 13883 / 1907 |
| Map Reference | MB 197 PG 5 |
| Instrument Date | Feb 12, 2026 |
| Instrument | 2026038405 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Title Company | OS NATIONAL LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,901.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6675 WESTWOOD BLVD # 5, 5, ORLANDO, FL 32821-8061 |
| Name | Verified Name |
|---|---|
| Address | 1295 W WASHINGTON ST STE 115, 115, TEMPE, AZ 85288-1233 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 2118 Chris Dr was $897, down 74.9% from the year before.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $214,268 (+346.39%) Land $48,000 Building $166,268 | $214,268 (+346.39%) Land $48,000 Building $166,268 | |
| 2025 | $897.00 (-74.86%) | $48,000 Land $48,000 | $48,000 Land $48,000 |
| 2024 | $3,568.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 2118 Chris Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 9 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 risk around 2118 Chris Dr is high, ranking above 77% of the US, with a 0.5% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 77% of the US · above 65% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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