234 Sunfish Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 234 Sunfish Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,760 sqft · built 2019
Lot Size	0.175 acres (7,632 sqft)
Owner	2 Individual Names on File
Last Sale	$255,897 (Jan 2020)
Tax Bill	$3,845 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-27-35-520574-002140`

Property Details

APN / Parcel Number

Primary APN	`26-27-35-520574-002140`
Alternative APNs	`352726520574002140` `52726000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,760 sqft Living Area
Gross Area	3,201 sqft
1st Floor Area	1,146 sqft
Upper Floors Area	1,614 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Composition/Composite
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	7,632 sqft (0.175 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Unfinished Open Porch
Porch Area	12 sqft

Location & Zoning

Street Address	234 SUNFISH DR
City	WINTER HAVEN
State	FL
Zip	33881-9418
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE LUCERNE PHASES 2 AND 3 PB 173 PG 1-3 LOT 214
Legal Range	26E
Legal Township	27S
Legal Section	35
Legal Subdivision	LAKE LUCERNE PHASES 2 AND 3
Legal Block	2
Legal Lot Number	214
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2000
Census Tract	12804

Owner

234 Sunfish Dr is owned and occupied by two individuals who bought it in January 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	234 SUNFISH DR, WINTER HAVEN, FL 33881-9418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Mar 22, 2021	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
Jan 30, 2020	Grant Deed, Subdivision Related Transfer · FHA Mortgage KBHS HM LNS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2020 · Amount on File
Deed Sale	Jan 30, 2020 · Amount on File
Deed Document Number	202021914
Deed Book / Page	11123 / 546
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	234 SUNFISH DR, WINTER HAVEN, FL 33881-9418
Transaction Type	Mortgage
Record Updated	Apr 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	234 SUNFISH DR, WINTER HAVEN, FL 33881-9418

Mortgage

Document Number	0000079179
Date	Mar 24, 2022
Book Page	12175/907
Instrument	2022079179

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	234 SUNFISH DR, WINTER HAVEN, FL 33881-9418
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	234 SUNFISH DR, WINTER HAVEN, FL 33881-9418

Mortgage

Document Number	0000072462
Date	Mar 22, 2021
Book Page	11632/1385
Instrument	2021072462

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	355 Months
Due	Oct 1, 2050

January 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jan 30, 2020
Property Address	234 SUNFISH DR, WINTER HAVEN, FL 33881-9418
Document Number	0111230546
Book / Page	011123 / 000546
Instrument Date	Jan 29, 2020
Instrument	21914
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 20, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,791.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	234 SUNFISH DR WINTER HAVEN FL 338819418, WINTER HAVEN, FL 33881-9418

Mortgage

Document Number	111230548
Date	Jan 30, 2020
Book Page	011123/000548
Instrument	21915

Lender

Name	KBHS HM LNS LLC
Address	IRVING, TX 75039

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 29, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 234 Sunfish Dr was $3,845 with a homeowner's exemption.

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		$255,820 (+2.7%)	$276,692 (-7.21%) Land $50,000 Building $226,692
2025	$3,845.00 Homeowner's exemption	$249,094	$298,198 Land $50,000 Building $248,198
2023	$3,629.00 (+2.86%) Homeowner's exemption	$235,023 (+3%)	$322,641 (+24.83%) Land $48,000 Building $274,641
2022	$3,528.00 Homeowner's exemption	$228,178	$258,456 Land $40,000 Building $218,456

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

Flood

FEMA maps place 234 Sunfish Dr in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2004.

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 File median of 20 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	7 (2004–2023)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Apr 2023 · rainfall accumulation
Claims by Event	Hurricane Frances, Sep 2004 · 3 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 claims

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 234 Sunfish Dr is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.2% 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	SWISS VILLAGE MHP private · serves 1,410 people · EPA ID FL6532715
Water Source	Groundwater
Last State Inspection	Sep 2024
Also Mapped Here	WINTER HAVEN WATER DEPARTMENT
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 363 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

May also be available: Verizon.

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