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228 Arbuthnot St, Winter Haven, FL 33881 Property Records

Polk County property record for 228 Arbuthnot St, Winter Haven, FL 33881 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,925 sqft · built 2021
Lot Size0.144 acres (6,255 sqft)
OwnerIndividual Name on File
Last Sale$338,500 (May 2023)
Tax Bill$5,021 (2025)
Deeds & MortgagesMay 2023 Sale & Mortgage
Mar 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN26-28-08-529016-000070

Property Details

APN / Parcel Number

Primary APN26-28-08-529016-000070
Alternative APN
  • 082826529016000070

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,925 sqft Living Area
Gross Area2,345 sqft
1st Floor Area1,925 sqft

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area6,255 sqft (0.144 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area420 sqft
PorchUnfinished Open Porch
Porch Area36 sqft

Location & Zoning

Street Address228 ARBUTHNOT ST
CityWINTER HAVEN
StateFL
Zip33881-9516
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSANCTUARY BY THE LAKE PHASE ONE PB 181 PG 1-5 LOT 7
Legal Range26E
Legal Township28S
Legal Section08
Legal SubdivisionSANCTUARY BY THE LAKE PHASE ONE
Legal Phase1
Legal Block1
Legal Lot Number7
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group1
Census Block1004
Census Tract13601

Owner

Source: Polk County records · APN 26-28-08-529016-000070

Assessment roll updated June 23, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address3519 MANOR LOOP, LAKELAND, FL 33810-1382
Owner TypeIndividual
VestingMarried Man, Separate Property

Deeds, Mortgages & Sale History

DateDocument
May 12, 2023Warranty Deed, Transfer · VA Mortgage
KIND LENDING LLC
Mar 17, 2021Warranty Deed, Subdivision Related Transfer · FHA Mortgage
HOME SOLUTION LENDERS INC
Feb 12, 2021Warranty Deed, Transfer
INSURED R/E TITLE SERVICES, INSURED RE TITLE SVCS INC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 12, 2023 · Amount on Record
Deed SaleMay 12, 2023 · Amount on Record
Prior SaleMar 17, 2021 · Amount on Record
Deed Document Number2023111330
Deed Book / Page12689 / 407
Record UpdatedSep 20, 2026

May 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMay 12, 2023
Property Address228 ARBUTHNOT ST, WINTER HAVEN, FL 33881-9516
Document Number0000111330
Book / Page12689 / 407
Map ReferenceMB 181 PG 1-5
Instrument DateMay 05, 2023
Instrument2023111330
Transaction TypeTransfer
Record UpdatedMay 25, 2023
Title CompanyMILESTONE TITLE SERVICES LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,369.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address228 ARBUTHNOT ST, WINTER HAVEN, FL 33881-9516

Transferred To (Grantee/Buyer)

NameVerified Name
Address3519 MANOR LOOP, LAKELAND, FL 33810-1382

Mortgage

Document Number0000111331
DateMay 12, 2023
Book Page12689/409
Instrument2023111331
Lender
NameKIND LENDING LLC
TypeMortgage Company
AddressSANTA ANA, CA 92707
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2053

March 2021: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMar 17, 2021
Property Address228 ARBUTHNOT ST, WINTER HAVEN, FL 33881-9516
Document Number0000067898
Book / Page11625 / 1365
Map ReferenceMB 181 PG 1-5
Instrument DateMar 15, 2021
Instrument2021067898
Transaction TypeSubdivision Related Transfer
Record UpdatedMar 06, 2023
Title CompanyINSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,670.20
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Transferred To (Grantee/Buyer)

NameVerified Name
Address228 ARBUTHNOT ST, WINTER HAVEN, FL 33881-9516
InvestorPossibly a Property Investor

Mortgage

Document Number0116251366
DateMar 17, 2021
Instrument11625/1366
Lender
NameHOME SOLUTION LENDERS INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2051

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateFeb 12, 2021
Property Address228 ARBUTHNOT ST, WINTER HAVEN, FL 33881-9516
Document Number0000036980
Book / Page11578 / 1994
Map ReferenceMB 181 PG 1-5
Instrument DateFeb 10, 2021
Instrument2021036980
Transaction TypeTransfer
Record UpdatedMar 06, 2023
Title CompanyINSURED R/E TITLE SERVICES, INSURED RE TITLE SVCS INC

Transaction

AmountAmount Recorded
Tax$658.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Transferred To (Grantee/Buyer)

NameVerified Name
Address1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$5,021.00 (+25.68%)$263,974 (+5.39%) Land $46,000 Building $217,974$263,974 (-5.84%) Land $46,000 Building $217,974
2023$3,995.00 (+2.62%)$250,485 (+3%)$280,348 (+15.28%) Land $44,000 Building $236,348
2022$3,893.00 Homeowner's exemption$243,189 Land $44,000 Building $199,189$243,189 Land $44,000 Building $199,189

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050136011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 10 individual NFIP policies nearby
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies10 in force
6 of 10 on primary residences
Nearby Flood Claims1 (2022)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 2022, Hurricane Ian

Wildfire

Wildfire RiskModerate
above 62% of the US · above 37% of Florida
Wildfire LikelihoodAbout 1 in 730 per year
ExposureDirect
burnable vegetation at the parcel

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.

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