Polk County property record for 217 Lake Thomas Dr, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,391 sqft · built 1989 |
| Lot Size | 0.319 acres (13,896 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $78,000 (Nov 1997) |
| Tax Bill | $464 (2025) |
| Deeds & Mortgages | Jan 2022 Line of Credit Jan 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-28-35-354940-002090 |
| Primary APN | 25-28-35-354940-002090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,391 sqft Living Area |
| Gross Area | 1,643 sqft |
| 1st Floor Area | 1,391 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 13,896 sqft (0.319 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 60 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 217 LAKE THOMAS DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-1123 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LAKE THOMAS ESTATES UNIT #4 PB 60 PG 7 BLK 2 LOT 9 |
| 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 | 9 |
| 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, as of July 23, 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 | 217 LAKE THOMAS DR, WINTER HAVEN, FL 33880-1123 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 20, 2022 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Jan 9, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 13, 1997 · Amount on Record |
| Deed Sale | Nov 13, 1997 · Amount on Record |
| Deed Book / Page | 3929 / 1962 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 217 LAKE THOMAS DR, WINTER HAVEN, FL 33880-1123 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000017258 |
|---|---|
| Date | Jan 20, 2022 |
| Book Page | 12081/504 |
| Instrument | 2022017258 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 5, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 217 LAKE THOMAS DR, WINTER HAVEN, FL 33880-1123 |
| Document Number | 0100552071 |
| Instrument Date | Jan 9, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 217 LAKE THOMAS DR WINTER HAVEN FL 338801123, WINTER HAVEN, FL 33880-1123 |
| Document Number | 0100552071 |
|---|---|
| Date | Feb 3, 2017 |
| Book Page | 010055/002071 |
| Instrument | 2110 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, SC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 2, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Polk County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $464.00 (-55.6%) Homeowner's exemption | $76,155 (+5.99%) | $218,600 (-1.84%) Land $66,000 Building $152,600 |
| 2023 | $1,045.00 (+7.51%) Homeowner's exemption | $71,853 (+3%) | $222,699 (+16.57%) Land $64,000 Building $158,699 |
| 2022 | $972.00 Homeowner's exemption | $69,760 | $191,044 Land $53,000 Building $138,044 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 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 |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 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 | CENTRAL serves 13,595 people · EPA ID FL6534609 |
|---|---|
| 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, 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.
Source: FCC Broadband Data Collection, based on 327 locations within half a mile, as of December 31, 2025
| 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 Fixed Wireless | 100 / 20 |
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