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295 Live Oak Ln, Winter Haven, FL 33880 Property Records

Polk County property record for 295 Live Oak Ln, Winter Haven, FL 33880 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,492 sqft · built 1980
Lot Size0.231 acres (10,041 sqft)
Owner2 Individual Names on File
Last Sale$149,000 (Jul 2018)
Tax Bill$3,104 (2025)
Deeds & MortgagesJul 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN25-28-35-354940-013030

Property Details

APN / Parcel Number

Primary APN25-28-35-354940-013030
Alternative APNs
  • 352825354940013030
  • 52825000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,492 sqft Living Area
Gross Area1,817 sqft
1st Floor Area1,118 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1980
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Roof TypeGable
Roof MaterialOther
Lot Area10,041 sqft (0.231 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area325 sqft

Exterior Amenities

Pool Area450 sqft
PorchFlorida Room
Porch Area418 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address295 LIVE OAK LN
CityWINTER HAVEN
StateFL
Zip33880-1127
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKE THOMAS ESTATES UNIT #4 PB 60 PG 7 BLK 13 LOT 3
Legal Range25E
Legal Township28S
Legal Section35
Legal SubdivisionLAKE THOMAS ESTATES UNIT 4
Legal Tract354940
Legal Block13
Legal Lot Number3
Legal Unit4
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group1
Census Block1017
Census Tract14703

Owner

Source: Polk County records · APN 25-28-35-354940-013030

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 Record2 Individual Names on File
Mailing Address295 LIVE OAK LN, WINTER HAVEN, FL 33880-1127
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 31, 2018 · Amount on Record
Deed SaleJul 31, 2018 · Amount on Record
Prior SaleFeb 15, 2002 · Amount on Record
Deed Document Number2018162929
Deed Book / Page10566 / 469
Prior Transfer DateDec 24, 2014
Prior Transfer Doc0000218273
Record UpdatedSep 20, 2026

July 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJul 31, 2018
Property Address295 LIVE OAK LN, WINTER HAVEN, FL 33880-1127
Document Number0105660469
Book / Page010566 / 000469
Instrument DateJul 26, 2018
Instrument162929
Transaction TypeTransfer
Record UpdatedAug 15, 2018
Title CompanyUNITED TITLE GROUP/LAKELAND LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,043.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address295 LIVE OAK LN WINTER HAVEN FL 338801127, WINTER HAVEN, FL 33880-1127

Mortgage

Document Number105660471
DateJul 31, 2018
Book Page010566/000471
Instrument162930
Lender
NamePARTNERS FCU
TypeCredit Union
AddressORLANDO, FL 32821
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueJul 30, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk 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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,104.00 (-7.04%)$236,253 (+3.5%)$245,673 (+7.62%) Land $31,000 Building $214,673
2023$3,339.00 (+14.58%)$228,269 (+25.38%) Land $30,000 Building $198,269$228,269 (+25.38%) Land $30,000 Building $198,269
2022$2,914.00$182,062 Land $25,000 Building $157,062$182,062 Land $25,000 Building $157,062

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050147031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 39 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies39 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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, availability as of December 31, 2025 · Published October 2026 · based on 327 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber7,000 / 7,000
SpectrumCable1,000 / 1,000
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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