321 Kendall Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 321 Kendall Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,795 sqft · built 1995
Lot Size	0.25 acres (10,886 sqft)
Owner	2 Trust Names on File
Last Sale	$175,900 (Jun 2005)
Tax Bill	$877 (2025)
Deeds & Mortgages	Nov 2023 Transfer Dec 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-09-687041-000250`

Property Details

APN / Parcel Number

Primary APN	`26-29-09-687041-000250`
Alternative APNs	`092926687041000250` `92926000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,795 sqft Living Area
Gross Area	2,257 sqft
1st Floor Area	1,795 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	10,886 sqft (0.25 acres)
Lot Dimensions	132 ft deep x 83 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	462 sqft
Porch	Screened/Unfinished Porch
Porch Area	411 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	321 KENDALL DR
City	WINTER HAVEN
State	FL
Zip	33884-2817
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR COVE PHASE ONE PB 73 PG 41 LOT 25
Legal Range	26E
Legal Township	29S
Legal Section	09
Legal Subdivision	CEDAR COVE PHASE ONE
Legal Phase	1
Legal Tract	687041
Legal Block	1
Legal Lot Number	25
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1049
Census Tract	14600

Owner

321 Kendall Dr is owner-occupied and held in a trust since September 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	321 KENDALL DR, WINTER HAVEN, FL 33884-2817
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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

Date	Document
Nov 21, 2023	Intrafamily Transfer, Transfer
Dec 13, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Apr 18, 2023	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2005 · Amount on File
Deed Sale	Jun 15, 2005 · Amount on File
Prior Sale	Nov 29, 1995 · Amount on File
Deed Document Number	2005139856
Deed Book / Page	6250 / 1027
Last Transfer Date	Sep 29, 2023
Transfer Doc	0000290353
Record Updated	Oct 29, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Nov 21, 2023
Property Address	321 KENDALL DR, WINTER HAVEN, FL 33884-2817
Document Number	0000273630
Book / Page	12915 / 465
Map Reference	MB 73 PG 41
Instrument Date	Sep 29, 2023
Instrument	2023273630
Transaction Type	Transfer
Record Updated	Dec 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	321 KENDALL DR, WINTER HAVEN, FL 33884-2817

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	32 1 KENDALL DRIVE, WINTER HAVEN, FL 33884

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Dec 13, 2023
Property Address	321 KENDALL DR, WINTER HAVEN, FL 33884-2817
Document Number	0000290353
Book / Page	12938 / 1845
Map Reference	MB 73 PG 41
Instrument Date	Sep 29, 2023
Instrument	2023290353
Transaction Type	Transfer
Record Updated	Dec 26, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	321 KENDALL DR, WINTER HAVEN, FL 33884-2817

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	321 KENDALL DR, WINTER HAVEN, FL 33884-2817

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	321 KENDALL DR, WINTER HAVEN, FL 33884-2817
Transaction Type	Mortgage
Record Updated	May 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 KENDALL DR, WINTER HAVEN, FL 33884-2817

Mortgage

Document Number	0000088703
Date	Apr 18, 2023
Book Page	12656/421
Instrument	2023088703

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 321 Kendall Dr was $877 with a homeowner's exemption.

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		$109,561 (+2.7%)	$256,939 (-1.94%) Land $33,000 Building $223,939
2025	$877.00 Homeowner's exemption	$106,681	$262,025 Land $33,000 Building $229,025
2023	$1,437.00 (+7%) Homeowner's exemption	$100,654 (+3%)	$264,692 (+3.82%) Land $32,000 Building $232,692
2022	$1,343.00 Homeowner's exemption	$97,722	$254,963 Land $27,000 Building $227,963

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

Flood

FEMA maps place 321 Kendall Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2004.

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 File median of 15 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	3 (2004–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Frances, Sep 2004 · 2 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

Wildfire risk around 321 Kendall Dr is moderate, ranking above 46% 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 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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