280 Overlook Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 280 Overlook Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,883 sqft · built 1949
Lot Size	0.79 acres (34,391 sqft)
Owner	2 Individual Names on Record
Last Sale	$685,000 (May 2024)
Tax Bill	$4,373 (2025)
Deeds & Mortgages	Dec 2025 Mortgage May 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-34-658500-000800`

Property Details

APN / Parcel Number

Primary APN	`26-28-34-658500-000800`
Alternative APNs	`342826658500000800` `42826000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,883 sqft Living Area
Gross Area	3,189 sqft
1st Floor Area	2,253 sqft
Basement Area	360 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1980
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	34,391 sqft (0.79 acres)
Lot Dimensions	230 ft deep x 129 ft wide
View / Lot	Commercial/Industrial
Garage Area	576 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	760 sqft
Patio Area	2,055 sqft
Utility Building	126 sqft
Boat Access	Boat Access

Location & Zoning

Street Address	280 OVERLOOK DR
City	WINTER HAVEN
State	FL
Zip	33884-1693
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ELOISE WOODS PB 17 PGS 48 48A LOT 80
Legal Range	26E
Legal Township	28S
Legal Section	34
Legal Subdivision	ELOISE WOODS
Legal Tract	658500
Legal Block	1
Legal Lot Number	80
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1025
Census Tract	14001

Owner

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	280 OVERLOOK DR, WINTER HAVEN, FL 33884-1693
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
May 9, 2024	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 16, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
May 6, 2019	Deed of Trust, Mortgage · Conventional with PMI CALIBER HM LOANS
Apr 10, 2018	Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2024 · Amount on Record
Deed Sale	May 9, 2024 · Amount on Record
Prior Sale	Apr 10, 2018 · Amount on Record
Deed Document Number	2024108071
Deed Book / Page	13110 / 1305
Last Transfer Date	Nov 17, 2025
Transfer Doc	0000283420
Record Updated	Oct 29, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Dec 3, 2025
Property Address	280 OVERLOOK DR, WINTER HAVEN, FL 33884-1693
Document Number	0000283420
Book / Page	13797 / 341
Map Reference	MB 17 PG 48
Instrument Date	Nov 17, 2025
Instrument	2025283420
Transaction Type	Transfer
Record Updated	Dec 17, 2025
Title Company	INTEGRITY FIRST TITLE LLC/DAVE, INTEGRITY FIRST TTL DAVENPOR

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	280 OVERLOOK DR, WINTER HAVEN, FL 33884-1693

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	280 OVERLOOK DR, WINTER HAVEN, FL 33884-1693

Mortgage

Document Number	0013797343
Date	Dec 3, 2025
Instrument	13797/343

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 9, 2024
Property Address	280 OVERLOOK DR, WINTER HAVEN, FL 33884-1693
Document Number	0000108071
Book / Page	13110 / 1305
Map Reference	MB 17 PG 48
Instrument Date	May 7, 2024
Instrument	2024108071
Transaction Type	Transfer
Record Updated	May 20, 2024
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,795.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2930 COUNTRY CLUB RD N, WINTER HAVEN, FL 33881-9091

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	280 OVERLOOK DR, WINTER HAVEN, FL 33884-1693

Mortgage

Document Number	0131101309
Date	May 9, 2024
Instrument	13110/1309

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Dec 16, 2020
Property Address	280 OVERLOOK DR, WINTER HAVEN, FL 33884-1693
Document Number	0114991069
Book / Page	011499 / 001069
Instrument Date	Dec 15, 2020
Instrument	272712
Transaction Type	Transfer
Record Updated	Dec 31, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	280 OVERLOOK DR WINTER HAVEN FL 338841693, WINTER HAVEN, FL 33884-1693

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	280 OVERLOOK DR, WINTER HAVEN, FL 33884-1693
Document Number	0108381887
Instrument Date	May 6, 2019
Transaction Type	Mortgage
Record Updated	May 23, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	280 OVERLOOK DR WINTER HAVEN FL 338841693, WINTER HAVEN, FL 33884-1693

Mortgage

Document Number	0108381887
Date	May 13, 2019
Book Page	010838/001887
Instrument	97102

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 12, 2049

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 10, 2018
Property Address	280 OVERLOOK DR, WINTER HAVEN, FL 33884-1693
Document Number	0104500097
Book / Page	010450 / 000097
Instrument Date	Apr 5, 2018
Instrument	76463
Transaction Type	Transfer
Record Updated	Aug 17, 2018
Title Company	REAL ESTATE TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	280 OVERLOOK DR WINTER HAVEN FL 338841693, WINTER HAVEN, FL 33884-1693

Mortgage

Document Number	104500098
Date	Apr 10, 2018
Book Page	010450/000098
Instrument	76464

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2048

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$380,422 (+2.7%)	$571,151 (+0.92%) Land $213,622 Building $357,529
2025	$4,373.00 (-12.56%) Homeowner's exemption	$370,421 (+0.15%)	$565,931 (-0.26%) Land $213,622 Building $352,309
2024	$5,001.00 (+4.67%)	$369,849 (+3%)	$567,432 (+0.87%) Land $213,622 Building $353,810
2023	$4,778.00 (+2.29%) Homeowner's exemption	$359,077 (+3%)	$562,529 (+17.66%) Land $207,707 Building $354,822
2022	$4,671.00 Homeowner's exemption	$348,618	$478,109 Land $173,140 Building $304,969

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

Flood

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
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 43 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	134 units insured incl. 91 condo units
Nearby Flood Claims	22 (1979–2022)
Claims Outside the SFHA	4 of 22
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 11 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

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.04% 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	WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992
Water Source	Groundwater
Last State Inspection	Dec 2021
Lead	7 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Sep 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	16 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 394 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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