242 Lake Thomas Dr, Winter Haven, FL 33880 Property Records

Polk County property record for 242 Lake Thomas Dr, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,223 sqft · built 1984
Lot Size	0.238 acres (10,346 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Apr 2023)
Tax Bill	$690 (2024)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-28-35-354950-015090`

Property Details

APN / Parcel Number

Primary APN	`25-28-35-354950-015090`
Alternative APNs	`352825354950015090` `52825000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,223 sqft Living Area
Gross Area	1,538 sqft
1st Floor Area	1,223 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2015
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	10,346 sqft (0.238 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	315 sqft
Porch	Screened/Unfinished Porch
Porch Area	86 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	242 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 9
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	9
Legal Unit	5
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1014
Census Tract	14703

Owner

Source: Polk County records · APN 25-28-35-354950-015090

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	2 Individual Names on File
Mailing Address	242 LAKE THOMAS DR, WINTER HAVEN, FL 33880-1165
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 11, 2023 · Amount on Record
Deed Sale	Apr 11, 2023 · Amount on Record
Prior Sale	Jun 29, 2011 · Amount on Record
Deed Document Number	202381905
Deed Book / Page	12646 / 964
Prior Transfer Date	Nov 26, 2003
Prior Transfer Doc	0056080693
Record Updated	Sep 20, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 11, 2023
Property Address	242 LAKE THOMAS DR, WINTER HAVEN, FL 33880-1165
Document Number	0000081905
Book / Page	12646 / 964
Map Reference	MB 60 PG 8
Instrument Date	Apr 06, 2023
Instrument	2023081905
Transaction Type	Transfer
Record Updated	Apr 25, 2023
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1480, WINTER HAVEN, FL 33882-1480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	242 LAKE THOMAS DR, WINTER HAVEN, FL 33880-1165

Mortgage

Document Number	0012646966
Date	Apr 11, 2023
Instrument	12646/966

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$195,819 (+13.01%) Land $29,000 Building $166,819	$195,819 (+13.01%) Land $29,000 Building $166,819
2024	$690.00 (-71.36%)
2023	$2,409.00 (+9%)	$173,281 (+8.88%) Land $28,000 Building $145,281	$173,281 (+8.88%) Land $28,000 Building $145,281
2022	$2,210.00	$159,144 Land $23,000 Building $136,144	$159,144 Land $23,000 Building $136,144

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 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

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.

Internet Providers

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.

Drinking Water

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

Violations Reported to EPA

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.