Polk County property record for 297 Live Oak Ln, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,406 sqft · built 1980 |
| Lot Size | 0.23 acres (10,001 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $93,000 (Sep 2018) |
| Tax Bill | $1,262 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-28-35-354940-013020 |
| Primary APN | 25-28-35-354940-013020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,406 sqft Living Area |
| Gross Area | 1,718 sqft |
| 1st Floor Area | 1,118 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 10,001 sqft (0.23 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 312 sqft |
| Porch | Florida Room |
| Porch Area | 288 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 297 LIVE OAK LN |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-1127 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LAKE THOMAS ESTATES UNIT #4 PB 60 PG 7 BLK 13 LOT 2 |
| Legal Range | 25E |
| Legal Township | 28S |
| Legal Section | 35 |
| Legal Subdivision | LAKE THOMAS ESTATES UNIT 4 |
| Legal Tract | 354940 |
| Legal Block | 13 |
| Legal Lot Number | 2 |
| Legal Unit | 4 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1017 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 297 LIVE OAK LN, WINTER HAVEN, FL 33880-1127 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Sep 25, 2018 | Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 25, 2018 · Amount on Record |
| Deed Sale | Sep 25, 2018 · Amount on Record |
| Deed Document Number | 2018203566 |
| Deed Book / Page | 10623 / 393 |
| Prior Transfer Date | Dec 3, 2004 |
| Prior Transfer Doc | 0060240863 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 297 LIVE OAK LN, WINTER HAVEN, FL 33880-1127 |
| Document Number | 0112590328 |
| Instrument Date | May 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 2, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 297 LIVE OAK LN WINTER HAVEN FL 338801127, WINTER HAVEN, FL 33880-1127 |
| Document Number | 0112590328 |
|---|---|
| Date | Jun 9, 2020 |
| Book Page | 011259/000328 |
| Instrument | 114061 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 8, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 25, 2018 |
| Property Address | 297 LIVE OAK LN, WINTER HAVEN, FL 33880-1127 |
| Document Number | 0106230393 |
| Book / Page | 010623 / 000393 |
| Instrument Date | Sep 21, 2018 |
| Instrument | 203566 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2018 |
| Title Company | AMROCK INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $651.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 297 LIVE OAK LN WINTER HAVEN FL 338801127, WINTER HAVEN, FL 33880-1127 |
| Document Number | 106230397 |
|---|---|
| Date | Sep 25, 2018 |
| Book Page | 010623/000397 |
| Instrument | 203567 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 24, 2048 |
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 | $141,601 (+2.7%) | $214,361 (-0.02%) Land $31,000 Building $183,361 | |
| 2025 | $1,262.00 (-34.17%) Homeowner's exemption | $137,878 (+5.99%) | $214,395 (+7.35%) Land $31,000 Building $183,395 |
| 2024 | $1,917.00 (+8.31%) | ||
| 2023 | $1,770.00 (+6.12%) Homeowner's exemption | $130,089 (+3%) | $199,717 (+26.68%) Land $30,000 Building $169,717 |
| 2022 | $1,668.00 Homeowner's exemption | $126,300 | $157,658 Land $25,000 Building $132,658 |
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 | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CENTRAL serves 13,595 people · EPA ID FL6534609 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2023 |
| Lead | 1 ppb (2023) action level 15 ppb |
| 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, 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.
Source: FCC Broadband Data Collection, based on 327 locations within half a mile, as of December 31, 2025
| 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 Fixed Wireless | 100 / 20 |
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