Polk County property record for 230 Lake Thomas Dr, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,424 sqft · built 1985 |
| Lot Size | 0.241 acres (10,507 sqft) |
| Owner | Company Name on File |
| Last Sale | $9,641,900 (Dec 2018) |
| Tax Bill | $2,567 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Jul 2021 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-28-35-354950-015030 |
| Primary APN | 25-28-35-354950-015030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,424 sqft Living Area |
| Gross Area | 1,884 sqft |
| 1st Floor Area | 1,424 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 10,507 sqft (0.241 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 16 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 230 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 BLK 15 LOT 3 |
| 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 | 3 |
| 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 · APN 25-28-35-354950-015030
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 Record | Company Name on File |
|---|---|
| Mailing Address | 1850 PARKWAY PL SE, 900, MARIETTA, GA 30067-8261 |
| Owner Type | Company |
| Vesting | Limited Partnership |
| Date | Document |
|---|---|
| Aug 20, 2021 | Deed of Trust, Mortgage · Unknown MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS |
| Jul 28, 2021 | Intrafamily Transfer, Transfer OS NATIONAL LLC |
| Dec 14, 2018 | Grant Deed, Transfer OS NATIONAL LLC, OS NAT'L LLC |
| May 23, 2017 | Loan Modification, Mortgage · Conventional with PMI SILVERGATE BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 14, 2018 · Amount on Record |
| Deed Sale | Dec 14, 2018 · Amount on Record |
| Prior Sale | Aug 30, 2016 · Amount on Record |
| Deed Document Number | 2018259637 |
| Deed Book / Page | 10698 / 1208 |
| Last Transfer Date | Jul 15, 2021 |
| Transfer Doc | 0000195893 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 230 LAKE THOMAS DR, WINTER HAVEN, FL 33880-1165 |
| Transaction Type | Mortgage |
| Record Updated | Aug 02, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000218240 |
|---|---|
| Date | Aug 20, 2021 |
| Book Page | 11857/831 |
| Instrument | 2021218240 |
| Name | MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS |
|---|---|
| Type | Mortgage Company |
| Type | Unknown |
|---|---|
| Amount | Amount Recorded |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 28, 2021 |
| Property Address | 230 LAKE THOMAS DR, WINTER HAVEN, FL 33880-1165 |
| Document Number | 0000195893 |
| Book / Page | 11822 / 1584 |
| Instrument Date | Jul 15, 2021 |
| Instrument | 2021195893 |
| Transaction Type | Transfer |
| Record Updated | Aug 02, 2022 |
| Title Company | OS NATIONAL LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261 |
| Investor | Possibly a Property Investor |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 14, 2018 |
| Property Address | 230 LAKE THOMAS DR, WINTER HAVEN, FL 33880-1165 |
| Document Number | 0106981208 |
| Book / Page | 010698 / 001208 |
| Instrument Date | Nov 27, 2018 |
| Instrument | 259637 |
| Transaction Type | Transfer |
| Record Updated | Jan 04, 2019 |
| Title Company | OS NATIONAL LLC, OS NAT'L LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $67,493.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 1850 PARKWAY PL #9TH MARIETTA GA 30067, 9TH, MARIETTA, GA 30067 |
| Investor | Possibly a Property Investor |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 230 LAKE THOMAS DR, WINTER HAVEN, FL 33880-1165 |
| Document Number | 0101892057 |
| Book / Page | 010189 / 002057 |
| Instrument Date | May 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2017 |
| Title Company | MAPLES TITLE INC |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Investor | Possibly a Property Investor |
| Document Number | 0101892057 |
|---|---|
| Date | Jun 28, 2017 |
| Book Page | 010189/002057 |
| Instrument | 123669 |
| Name | SILVERGATE BK |
|---|---|
| Type | Bank |
| Address | LA JOLLA, CA 92037 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,567.00 (-17.7%) | $198,547 (+3.07%) Land $29,000 Building $169,547 | $198,547 (+3.07%) Land $29,000 Building $169,547 |
| 2023 | $3,119.00 (+8.64%) | $192,641 (+9.15%) Land $28,000 Building $164,641 | $192,641 (+9.15%) Land $28,000 Building $164,641 |
| 2022 | $2,871.00 | $176,495 Land $23,000 Building $153,495 | $176,495 Land $23,000 Building $153,495 |
Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 327 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CENTRAL serves 13,595 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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