Polk County property record for 226 Lake Thomas Dr, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,622 sqft · built 1984 |
| Lot Size | 0.298 acres (12,998 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $135,900 (May 2005) |
| Tax Bill | $384 (2025) |
| Deeds & Mortgages | Jun 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-28-35-354950-015010 |
| Primary APN | 25-28-35-354950-015010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,622 sqft Living Area |
| Gross Area | 2,150 sqft |
| 1st Floor Area | 1,622 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 12,998 sqft (0.298 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 20 sqft |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|
| Street Address | 226 LAKE THOMAS DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-1165 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LAKE THOMAS ESTATES UNIT #5 PB 60 PG 8 BLOCK 15 LOT 1 |
| Legal Range | 25E |
| Legal Township | 28S |
| Legal Section | 35 |
| Legal Subdivision | LAKE THOMAS ESTATES UNIT 5 |
| Legal Tract | 354950 |
| Legal Block | 15 |
| Legal Lot Number | 1 |
| Legal Unit | 5 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 14703 |
Source: Polk County records, as of June 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 | 226 LAKE THOMAS DR, WINTER HAVEN, FL 33880-1165 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 3, 2005 · Amount on Record |
| Deed Sale | May 3, 2005 · Amount on Record |
| Prior Sale | Jul 1, 2004 · Amount on Record |
| Deed Document Number | 2005100668 |
| Deed Book / Page | 6187 / 1136 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 226 LAKE THOMAS DR, WINTER HAVEN, FL 33880-1165 |
| Document Number | 0108691825 |
| Instrument Date | Jun 4, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 27, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 226 LAKE THOMAS DR WINTER HAVEN FL 338801165, WINTER HAVEN, FL 33880-1165 |
| Document Number | 0108691825 |
|---|---|
| Date | Jun 10, 2019 |
| Book Page | 010869/001825 |
| Instrument | 119691 |
| Name | DISCOVER BK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 9, 2039 |
Source: Polk County assessment roll, as of June 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 | $384.00 (-59.54%) Homeowner's exemption | $61,673 (+5.99%) | $218,324 (+1.98%) Land $29,000 Building $189,324 |
| 2023 | $949.00 (+7.72%) Homeowner's exemption | $58,189 (+3%) | $214,090 (+8.99%) Land $28,000 Building $186,090 |
| 2022 | $881.00 Homeowner's exemption | $56,494 | $196,439 Land $23,000 Building $173,439 |
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.
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 |
| 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 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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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