Polk County property record for 2198 Kendall Ln, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 5,365 sqft · built 2005 |
| Lot Size | 13.6 acres (593,849 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $760,000 (Apr 2012) |
| Tax Bill | $13,374 (2025) |
| Deeds & Mortgages | Mar 2020 Line of Credit Apr 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-14-532500-004051 |
| Primary APN | 26-28-14-532500-004051 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 5,365 sqft Living Area |
| Gross Area | 6,299 sqft |
| 1st Floor Area | 5,365 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Tile |
| Lot Area | 593,849 sqft |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 934 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Porch | Unfinished Open Porch |
| Porch Area | 1,293 sqft |
| Shed | 1 Shed |
| Street Address | 2198 KENDALL LN |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33881-8001 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | POINSETTIA PARK PB 3 PGS 48 49 S14 T28 R26 BLK D W1/2 LOTS 1 & 3 & LOT 5 LESS S 157 FT OF E1/2 & ALL LOT 7 & CLOSED 20 FT OF R/W LYING E OF SAME PER OR 3791-2239 & THAT PT OF VACATED R/W LYING S OF W1/2 OF LOT 1 PER OR 11929-2248 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 14 |
| Legal Subdivision | POINSETTIA PARK |
| Legal Tract | 532500 |
| Legal Block | D |
| Legal Lot Number | 1,3,5 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 12802 |
2198 Kendall Ln is owned and occupied by two individuals who bought it in April 2012.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2198 KENDALL LN, WINTER HAVEN, FL 33881-8001 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Mar 2, 2020 | Deed of Trust, Mortgage · Line of Credit CENTERSTATE BK NA |
| Apr 20, 2018 | Deed of Trust, Mortgage · Line of Credit WAUCHULA ST BK |
| Jul 12, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 4, 2012 · Amount on File |
| Deed Sale | Apr 4, 2012 · Amount on File |
| Deed Document Number | 201258868 |
| Deed Book / Page | 8617 / 233 |
| Prior Transfer Date | Oct 10, 2006 |
| Prior Transfer Doc | 0000165076 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2198 KENDALL LN, WINTER HAVEN, FL 33881-8001 |
| Document Number | 0112021978 |
| Instrument Date | Mar 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2198 KENDALL LN WINTER HAVEN FL 338818001, WINTER HAVEN, FL 33881-8001 |
| Document Number | 0112021978 |
|---|---|
| Date | Apr 9, 2020 |
| Book Page | 011202/001978 |
| Instrument | 76957 |
| Name | CENTERSTATE BK NA |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33884 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 8, 2030 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2198 KENDALL LN, WINTER HAVEN, FL 33881-8001 |
| Document Number | 0104631199 |
| Instrument Date | Apr 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2198 KENDALL LN WINTER HAVEN FL 338818001, WINTER HAVEN, FL 33881-8001 |
| Document Number | 0104631199 |
|---|---|
| Date | Apr 24, 2018 |
| Book Page | 010463/001199 |
| Instrument | 87051 |
| Name | WAUCHULA ST BK |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33881 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 23, 2038 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 12, 2017 |
| Property Address | 2198 KENDALL LN, WINTER HAVEN, FL 33881-8001 |
| Document Number | 0102011425 |
| Book / Page | 010201 / 001425 |
| Instrument Date | Jun 29, 2017 |
| Instrument | 131989 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $1,925.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2198 KENDALL LN WINTER HAVEN FL 338818001, WINTER HAVEN, FL 33881-8001 |
The 2025 property tax bill for 2198 Kendall Ln was $13,374 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 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 |
|---|---|---|---|
| 2026 | $1,077,884 (+2.7%) | $1,086,283 (-14.33%) Land $222,219 Building $864,064 | |
| 2025 | $13,374.00 Homeowner's exemption | $1,049,546 | $1,267,986 Land $432,944 Building $835,042 |
| 2023 | $11,385.00 (+1.81%) Homeowner's exemption | $847,835 (+3%) | $1,150,687 (+13.89%) Land $422,909 Building $727,778 |
| 2022 | $11,183.00 Homeowner's exemption | $823,141 | $1,010,356 Land $352,668 Building $657,688 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2198 Kendall Ln 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 39 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 3 (2022–2023) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Aug 2023 · Hurricane Idalia |
| Claims by Event |
|
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 2198 Kendall Ln is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 69% of the US · above 49% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 80 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 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures