213 Citrus Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 213 Citrus Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,379 sqft · built 1959
Lot Size	0.24 acres (10,450 sqft)
Owner	2 Individual Names on File
Last Sale	$241,000 (Nov 2023)
Tax Bill	$966 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-34-662200-000010`

Property Details

APN / Parcel Number

Primary APN	`26-28-34-662200-000010`
Alternative APNs	`342826662200000010` `42826000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,379 sqft Living Area
1st Floor Area	1,209 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	10,450 sqft (0.24 acres)
Lot Dimensions	110 ft deep x 95 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	380 sqft
Carport	Carport
Carport Area	380 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	227 sqft
Shed	1 Shed
Utility Building	154 sqft

Location & Zoning

Street Address	213 CITRUS DR
City	WINTER HAVEN
State	FL
Zip	33884-1594
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ELWOOD HTS PB 39 PG 17 LOT 1
Legal Range	26E
Legal Township	28S
Legal Section	34
Legal Subdivision	ELWOOD HTS
Legal Tract	662200
Legal Block	2
Legal Lot Number	1
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2044
Census Tract	13902

Owner

213 Citrus Dr is owned and occupied by two individuals who acquired it in November 2024.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	213 CITRUS DR, WINTER HAVEN, FL 33884-1594
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2023	Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA CU
Jan 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Dec 27, 2017	Warranty Deed, Transfer · FHA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2023 · Amount on File
Deed Sale	Nov 2, 2023 · Amount on File
Prior Sale	Dec 27, 2017 · Amount on File
Deed Document Number	2023260326
Deed Book / Page	12897 / 529
Last Transfer Date	Nov 12, 2024
Transfer Doc	0000258845
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 2, 2023
Property Address	213 CITRUS DR, WINTER HAVEN, FL 33884-1594
Document Number	0000260326
Book / Page	12897 / 529
Map Reference	MB 39 PG 17
Instrument Date	Oct 31, 2023
Instrument	2023260326
Transaction Type	Transfer
Record Updated	Nov 15, 2023
Title Company	HOMELIGHT SETTLEMENT LLC, HOMELIGHT TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,687.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	213 CITRUS DR, WINTER HAVEN, FL 33884-1594

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2115 STATE ROAD 62, BOWLING GREEN, FL 33834-3059

Mortgage

Document Number	0012897532
Date	Nov 2, 2023
Instrument	12897/532

Lender

Name	MIDFLORIDA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	213 CITRUS DR, WINTER HAVEN, FL 33884-1594
Transaction Type	Mortgage
Record Updated	Feb 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	213 CITRUS DR, WINTER HAVEN, FL 33884-1594

Mortgage

Document Number	0000020521
Date	Jan 24, 2022
Book Page	12086/987
Instrument	2022020521

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2037

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 27, 2017
Property Address	213 CITRUS DR, WINTER HAVEN, FL 33884-1594
Document Number	0103510513
Book / Page	010351 / 000513
Instrument Date	Dec 22, 2017
Instrument	248346
Transaction Type	Transfer
Record Updated	Jan 19, 2018
Title Company	REAL ESTATE TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$959.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	213 CITRUS DR WINTER HAVEN FL 338841594, WINTER HAVEN, FL 33884-1594

Mortgage

Document Number	103510514
Date	Dec 27, 2017
Book Page	010351/000514
Instrument	248347

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 26, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 213 Citrus Dr was $966 with a homeowner's exemption.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$116,457 (+2.7%)	$191,553 (+1.49%) Land $38,855 Building $152,698
2025	$966.00 Homeowner's exemption	$113,395	$188,749 Land $38,855 Building $149,894
2023	$1,658.00 (+3.95%) Homeowner's exemption	$126,625 (+3%)	$190,679 (+11.8%) Land $37,833 Building $152,846
2022	$1,595.00 Homeowner's exemption	$122,937	$170,547 Land $31,693 Building $138,854

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.

Flood

FEMA maps place 213 Citrus Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2004.

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 File median of 25 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	25 in force
Nearby Flood Claims	2 (2004)
Most Recent Claim	Sep 2004 · Hurricane Frances

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

Wildfire risk around 213 Citrus Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 394 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 / 1,000

May also be available: Verizon.

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