2220 Chris Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 2220 Chris Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 2,470 sqft · built 2025
Lot Size	0.129 acres (5,611 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Oct 2025)
Tax Bill	$897 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-36-692300-004870`

Property Details

APN / Parcel Number

Primary APN	`26-29-36-692300-004870`
Alternative APN	`362926692300004870`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,470 sqft Living Area
Gross Area	2,906 sqft
1st Floor Area	1,024 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	5,611 sqft (0.129 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	436 sqft
Porch	Unfinished Open Porch

Location & Zoning

Street Address	2220 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 487
Legal Subdivision	PEACE CREEK RESERVE
Legal Block	1
Legal Lot Number	487
Jurisdiction	POLK FL
Township / Civil Division	LAKE WALES
Census Block Group	1
Census Block	1002
Census Tract	14402

Owner

2220 Chris Dr is owned and occupied by an individual who bought it in October 2025.

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

Owner of Record	Individual Name on File
Mailing Address	2220 CHRIS DR, WINTER HAVEN, FL 33884
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 9, 2025 · Amount on File
Deed Sale	Oct 9, 2025 · Amount on File
Prior Sale	Jul 10, 2025 · Amount on File
Deed Document Number	2025237146
Deed Book / Page	13730 / 414
Record Updated	Oct 29, 2026

October 2025: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 9, 2025
Property Address	2220 CHRIS DR, WINTER HAVEN, FL 33884
Document Number	0000237146
Book / Page	13730 / 414
Map Reference	MB 197 PG 5
Instrument Date	Sep 29, 2025
Instrument	2025237146
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 28, 2025
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6675 WESTWOOD BLVD, ORLANDO, FL 32821-8061

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2220 CHRIS DRIVE, WINTER HAVEN, FL 33884

Mortgage

Document Number	0013730418
Date	Oct 9, 2025
Instrument	13730/418

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jan 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.75%
Index	1-Year T-Bill
Margin	2
Max Rate	5%

Tax Assessment & Valuation

The 2025 property tax bill for 2220 Chris Dr was $897, down 74.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$272,281 (+467.25%) Land $48,000 Building $224,281	$272,281 (+467.25%) Land $48,000 Building $224,281
2025	$897.00 (-74.86%)	$48,000 (-) Land $48,000	$48,000 (-) Land $48,000
2024	$3,568.00	$48,000 Land $48,000	$48,000 Land $48,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2220 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

Wildfire risk around 2220 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.

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 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