Polk County property record for 228 Escambia Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,559 sqft · built 1997 |
| Lot Size | 0.207 acres (8,999 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $325,000 (Oct 2021) |
| Tax Bill | $3,490 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-34-662000-002540 |
| Primary APN | 26-28-34-662000-002540 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,559 sqft Living Area |
| Gross Area | 2,109 sqft |
| 1st Floor Area | 1,605 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 8,999 sqft (0.207 acres) |
| Lot Dimensions | 150 ft deep x 60 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Porch | Florida Room |
| Porch Area | 43 sqft |
| Patio Area | 384 sqft |
| Cooling System | Central |
|---|
| Street Address | 228 ESCAMBIA DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-1468 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | ELOISE WOODS LAKE MARIAM UNIT PB 17 PG 49 49A 49B LOT 254 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 34 |
| Legal Subdivision | ELOISE WOODS LAKE MARIAM UNIT |
| Legal Tract | 662000 |
| Legal Block | 2 |
| Legal Lot Number | 254 |
| Legal Unit | PB |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 13902 |
Source: Polk County records, as of September 28, 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 | 228 ESCAMBIA DR, WINTER HAVEN, FL 33884-1468 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 1, 2024 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 5, 2021 | Warranty Deed, Transfer · FHA Mortgage ALKAN MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 5, 2021 · Amount on Record |
| Deed Sale | Oct 5, 2021 · Amount on Record |
| Prior Sale | Aug 5, 1996 · Amount on Record |
| Deed Document Number | 2021259134 |
| Deed Book / Page | 11923 / 728 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 228 ESCAMBIA DR, WINTER HAVEN, FL 33884-1468 |
| Transaction Type | Mortgage |
| Record Updated | Mar 14, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 228 ESCAMBIA DR, WINTER HAVEN, FL 33884-1468 |
| Document Number | 0000048285 |
|---|---|
| Date | Mar 1, 2024 |
| Book Page | 13024/408 |
| Instrument | 2024048285 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 331 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 5, 2021 |
| Property Address | 228 ESCAMBIA DR, WINTER HAVEN, FL 33884-1468 |
| Document Number | 0000259134 |
| Book / Page | 11923 / 728 |
| Map Reference | MB 17 PG 49,49A&49B |
| Instrument Date | Sep 23, 2021 |
| Instrument | 2021259134 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2024 |
| Title Company | INTEGRITY FIRST TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,275.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 529 COLEMAN DR W, WINTER HAVEN, FL 33884-2560 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 228 ESCAMBIA DR, WINTER HAVEN, FL 33884-1468 |
| Document Number | 0011923730 |
|---|---|
| Date | Oct 5, 2021 |
| Instrument | 11923/730 |
| Name | ALKAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
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 | $302,413 (-0.46%) Land $35,998 Building $266,415 | $302,413 (-0.46%) Land $35,998 Building $266,415 | |
| 2025 | $3,490.00 (-27.37%) Homeowner's exemption | $303,805 (-6.22%) Land $34,198 Building $269,607 | $303,805 (-6.22%) Land $34,198 Building $269,607 |
| 2023 | $4,805.00 (+15.98%) | $323,967 (+19.94%) Land $33,298 Building $290,669 | $323,967 (+19.94%) Land $33,298 Building $290,669 |
| 2022 | $4,143.00 | $270,117 Land $27,898 Building $242,219 | $270,117 Land $27,898 Building $242,219 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 25 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 25 in force |
| Nearby Flood Claims | 2 (2004) |
| Most Recent Claim | Sep 2004 · Hurricane Frances |
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 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 | 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 308 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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