Polk County property record for 276 Cherry Laurel Ln, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,504 sqft · built 1979 |
| Lot Size | 0.344 acres (14,998 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $75,500 (Feb 2002) |
| Tax Bill | $288 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Jan 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-28-26-354740-000240 |
| Primary APN | 25-28-26-354740-000240 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,504 sqft Living Area |
| 1st Floor Area | 1,224 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 14,998 sqft (0.344 acres) |
| Lot Dimensions | 200 ft deep x 75 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Florida Room |
| Porch Area | 316 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 276 CHERRY LAUREL LN |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-1221 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | CHERRY LAUREL PB 68 PG 7 LOT 24 |
| Legal Range | 25E |
| Legal Township | 28S |
| Legal Section | 26 |
| Legal Subdivision | CHERRY LAUREL |
| Legal Tract | 354740 |
| Legal Block | 1 |
| Legal Lot Number | 24 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 14703 |
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 | 276 CHERRY LAUREL LN, WINTER HAVEN, FL 33880-1221 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 23, 2025 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Jan 24, 2019 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 8, 2002 · Amount on Record |
| Deed Sale | Feb 8, 2002 · Amount on Record |
| Deed Book / Page | 4922 / 866 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 276 CHERRY LAUREL LN, WINTER HAVEN, FL 33880-1221 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000223683 |
|---|---|
| Date | Sep 23, 2025 |
| Book Page | 13709/1281 |
| Instrument | 2025223683 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 15, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 276 CHERRY LAUREL LN, WINTER HAVEN, FL 33880-1221 |
| Document Number | 0107481395 |
| Instrument Date | Jan 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 276 CHERRY LAUREL LN WINTER HAVEN FL 338801221, WINTER HAVEN, FL 33880-1221 |
| Document Number | 0107481395 |
|---|---|
| Date | Feb 12, 2019 |
| Book Page | 010748/001395 |
| Instrument | 28793 |
| Name | MIDFLORIDA CU |
|---|---|
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 11, 2034 |
| Rate Type | Adjustable Rate |
|---|
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 | $48,577 (+2.7%) | $167,533 (+1.98%) Land $31,000 Building $136,533 | |
| 2025 | $288.00 (-65.71%) Homeowner's exemption | $47,300 (+5.99%) | $164,274 (-3.04%) Land $31,000 Building $133,274 |
| 2023 | $840.00 (+10.67%) Homeowner's exemption | $44,628 (+3%) | $169,420 (+10.41%) Land $30,000 Building $139,420 |
| 2022 | $759.00 Homeowner's exemption | $43,328 | $153,444 Land $25,000 Building $128,444 |
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 39 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 39 in force |
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 | Moderate above 53% of the US · lower than 75% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 81 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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