320 Lk Smart Cir, Winter Haven, FL 33881 Property Records

Polk County property record for 320 Lk Smart Cir, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,625 sqft · built 2022
Lot Size	0.153 acres (6,678 sqft)
Owner	2 Individual Names on File
Last Sale	$348,000 (Apr 2023)
Tax Bill	$5,558 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-09-530006-000530`

Property Details

APN / Parcel Number

Primary APN	`26-28-09-530006-000530`
Alternative APNs	`092826530006000530` `92826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,625 sqft Living Area
Gross Area	3,045 sqft
1st Floor Area	1,166 sqft
Upper Floors Area	1,459 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	6,678 sqft (0.153 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Unfinished Open Porch
Porch Area	188 sqft

Location & Zoning

Street Address	320 LAKE SMART CIR
City	WINTER HAVEN
State	FL
Zip	33881-2114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE SMART POINTE PB 172 PGS 9-12 LOT 53
Legal Range	26E
Legal Township	28S
Legal Section	09
Legal Subdivision	LAKE SMART POINTE
Legal Block	1
Legal Lot Number	53
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1000
Census Tract	13602

Owner

320 Lk Smart Cir is owned by two individuals who bought it in April 2023.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	301 STARBOARD DR, BEAR, DE 19701-2297
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2023 · Amount on File
Deed Sale	Apr 17, 2023 · Amount on File
Deed Document Number	202387474
Deed Book / Page	12654 / 1333
Record Updated	Oct 29, 2026

April 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 17, 2023
Property Address	320 LAKE SMART CIR, WINTER HAVEN, FL 33881-2114
Document Number	0000087474
Book / Page	12654 / 1333
Map Reference	MB 172 PG 9-12
Instrument Date	Apr 11, 2023
Instrument	2023087474
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 5, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,436.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2822 COMMERCE PARK DR STE 100, 100, ORLANDO, FL 32819-8636

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 LAKE SMART CIR, WINTER HAVEN, FL 33881-2114

Mortgage

Document Number	0126541338
Date	Apr 17, 2023
Instrument	12654/1338

Lender

Name	HOME AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 320 Lk Smart Cir was $5,558.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$276,981 (-5.21%) Land $58,000 Building $218,981	$276,981 (-5.21%) Land $58,000 Building $218,981
2025	$5,558.00	$292,193 Land $58,000 Building $234,193	$292,193 Land $58,000 Building $234,193
2023	$6,227.00 (+596.53%)	$327,295 (+611.51%) Land $56,000 Building $271,295	$327,295 (+611.51%) Land $56,000 Building $271,295
2022	$894.00	$46,000 Land $46,000	$46,000 Land $46,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 320 Lk Smart Cir 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 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

Wildfire risk around 320 Lk Smart Cir is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.09% 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 160 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
Verizon Fixed Wireless	300 / 20