Polk County property record for 278 Cherry Laurel Ln, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,210 sqft · built 1979 |
| Lot Size | 0.344 acres (14,998 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $109 (2025) |
| Deeds & Mortgages | Jan 2024 Mortgage Jan 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-28-26-354740-000230 |
| Primary APN | 25-28-26-354740-000230 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,210 sqft Living Area |
| 1st Floor Area | 1,210 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 14,998 sqft (0.344 acres) |
| Lot Dimensions | 200 ft deep x 75 ft wide |
| View / Lot | Commercial/Industrial |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 104 sqft |
| Patio Area | 80 sqft |
| Shed | 1 Shed |
| Utility Building | 90 sqft |
| Cooling System | Central |
|---|
| Street Address | 278 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 23 |
| Legal Range | 25E |
| Legal Township | 28S |
| Legal Section | 26 |
| Legal Subdivision | CHERRY LAUREL |
| Legal Tract | 354740 |
| Legal Block | 1 |
| Legal Lot Number | 23 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 14703 |
278 Cherry Laurel Ln is owned and occupied by an individual who acquired it in August 2019.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 278 CHERRY LAUREL LN, WINTER HAVEN, FL 33880-1221 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 8, 2024 | Deed of Trust, Mortgage POLK COUNTY |
| Jan 18, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Sep 23, 2019 | Deed of Trust, Mortgage NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Aug 8, 2019 |
| Transfer Doc | 0000171595 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 278 CHERRY LAUREL LN, WINTER HAVEN, FL 33880-1221 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000004622 |
|---|---|
| Date | Jan 8, 2024 |
| Book Page | 12965/1205 |
| Instrument | 2024004622 |
| Name | POLK COUNTY |
|---|---|
| Type | Government Agency |
| Address | BARTOW, FL 33831 |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 278 CHERRY LAUREL LN, WINTER HAVEN, FL 33880-1221 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2023 |
| Name | Verified Name |
|---|---|
| Address | 278 CHERRY LAUREL LN, WINTER HAVEN, FL 33880-1221 |
| Document Number | 0000012611 |
|---|---|
| Date | Jan 18, 2023 |
| Book Page | 12553/1481 |
| Instrument | 2023012611 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 278 CHERRY LAUREL LN, WINTER HAVEN, FL 33880-1221 |
| Document Number | 0110410666 |
| Instrument Date | Sep 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 278 CHERRY LAUREL LN WINTER HAVEN FL 338801221, WINTER HAVEN, FL 33880-1221 |
The 2025 property tax bill for 278 Cherry Laurel Ln was $109 with exemptions applied.
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 | $46,290 (+2.7%) | $157,404 (+3.92%) Land $31,000 Building $126,404 | |
| 2025 | $109.00 Homeowner's exemption | $45,073 | $151,463 Land $31,000 Building $120,463 |
| 2023 | $680.00 (+12.03%) Homeowner's exemption | $42,527 (+4.23%) | $156,601 (+7.6%) Land $30,000 Building $126,601 |
| 2022 | $607.00 Homeowner's exemption | $40,803 | $145,539 Land $25,000 Building $120,539 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 278 Cherry Laurel Ln in Zone X, an area of minimal flood risk.
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 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.
Wildfire risk around 278 Cherry Laurel Ln is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.
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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