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

Polk County property record for 302 Live Oak Ln, Winter Haven, FL 33880 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,269 sqft · built 1979
Lot Size	0.25 acres (10,886 sqft)
Owner	2 Individual Names on File
Last Sale	$67,000 (May 2011)
Tax Bill	$427 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-28-35-354940-012140`

Property Details

APN / Parcel Number

Primary APN	`25-28-35-354940-012140`
Alternative APNs	`352825354940012140` `52825000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,269 sqft Living Area
1st Floor Area	945 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	10,886 sqft (0.25 acres)
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	440 sqft
Carport	Carport
Carport Area	440 sqft

Exterior Amenities

Pool Area	200 sqft
Porch	Florida Room
Porch Area	324 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	302 LIVE OAK LN
City	WINTER HAVEN
State	FL
Zip	33880-1129
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE THOMAS ESTATES UNIT #4 PB 60 PG 7 BLK 12 LOT 14
Legal Range	25E
Legal Township	28S
Legal Section	35
Legal Subdivision	LAKE THOMAS ESTATES UNIT 4
Legal Tract	354940
Legal Block	12
Legal Lot Number	14
Legal Unit	4
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1001
Census Tract	14703

Owner

Source: Polk County records · APN 25-28-35-354940-012140

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 Record	2 Individual Names on File
Mailing Address	302 LIVE OAK LN, WINTER HAVEN, FL 33880-1129
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Aug 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Jun 01, 2018	Loan Modification, Mortgage · Conventional Mortgage JPMORGAN CHASE BK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 04, 2011 · Amount on Record
Deed Sale	May 04, 2011 · Amount on Record
Prior Sale	Apr 27, 2006 · Amount on Record
Deed Document Number	201175874
Deed Book / Page	8379 / 1981
Last Transfer Date	Jul 15, 2011
Transfer Doc	0000123943
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	302 LIVE OAK LN, WINTER HAVEN, FL 33880-1129
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 LIVE OAK LN, WINTER HAVEN, FL 33880-1129

Mortgage

Document Number	0000108031
Date	Apr 21, 2022
Book Page	12218/1749
Instrument	2022108031

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	IRVING, TX 75014

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	302 LIVE OAK LN, WINTER HAVEN, FL 33880-1129
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	HOME SOLUTION TITLE INC, HOME SOLUTION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 LIVE OAK LN, WINTER HAVEN, FL 33880-1129

Mortgage

Document Number	0000219760
Date	Aug 24, 2021
Book Page	11859/1369
Instrument	2021219760

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2051

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	302 LIVE OAK LN, WINTER HAVEN, FL 33880-1129
Document Number	0105281505
Instrument Date	Jun 01, 2018
Transaction Type	Mortgage
Record Updated	Jul 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	302 LIVE OAK LN WINTER HAVEN FL 338801129, WINTER HAVEN, FL 33880-1129

Mortgage

Document Number	0105281505
Date	Jun 26, 2018
Book Page	010528/001505
Instrument	135639

Lender

Name	JPMORGAN CHASE BK NA
Address	COLUMBUS, OH 43219-6009

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$427.00 (-57.81%) Homeowner's exemption	$69,705 (+5.99%)	$205,983 (+7.58%) Land $31,000 Building $174,983
2023	$1,012.00 (+7.77%) Homeowner's exemption	$65,768 (+3%)	$191,478 (+24.77%) Land $30,000 Building $161,478
2022	$939.00 Homeowner's exemption	$63,852	$153,461 Land $25,000 Building $128,461

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 39 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	39 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None 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

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
Spectrum	Cable	1,000 / 1,000
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (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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