Polk County property record for 3905 Cypress Lndg E, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,580 sqft · built 1983 |
| Lot Size | 0.119 acres (5,175 sqft) |
| Owner | Individual Name on File |
| Last Sale | $169,500 (Sep 2017) |
| Tax Bill | $1,554 (2025) |
| Deeds & Mortgages | Nov 2022 Mortgage Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-01-663560-000250 |
| Primary APN | 26-29-01-663560-000250 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,580 sqft Living Area |
| Gross Area | 2,291 sqft |
| 1st Floor Area | 1,580 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 5,175 sqft (0.119 acres) |
| Lot Dimensions | 115 ft deep x 45 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 451 sqft |
| Porch | Florida Room |
| Porch Area | 300 sqft |
| Cooling System | Central |
|---|
| Street Address | 3905 CYPRESS LNDG E |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2406 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CYPRESS LANDING PHASE ONE PB 72 PG 11 LOT 25 & INT IN STS, PK, REC AREA & LK |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 01 |
| Legal Subdivision | CYPRESS LANDING PHASE 01 |
| Legal Phase | 1 |
| Legal Tract | 663560 |
| Legal Block | 1 |
| Legal Lot Number | 25 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 14003 |
3905 Cypress Lndg E is owned and occupied by an individual who bought it in September 2017.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3905 CYPRESS LNDG E, WINTER HAVEN, FL 33884-2406 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Nov 1, 2022 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Oct 28, 2021 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Apr 15, 2020 | Deed of Trust, Construction Loan · Construction Mortgage PRIME LNDG |
| Sep 1, 2017 | Warranty Deed, Transfer · FHA Mortgage PRIME LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2017 · Amount on File |
| Deed Sale | Sep 1, 2017 · Amount on File |
| Prior Sale | Sep 5, 2008 · Amount on File |
| Deed Document Number | 2017170380 |
| Deed Book / Page | 10251 / 1623 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3905 CYPRESS LNDG E, WINTER HAVEN, FL 33884-2406 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3905 CYPRESS LNDG E, WINTER HAVEN, FL 33884-2406 |
| Document Number | 0000287554 |
|---|---|
| Date | Nov 1, 2022 |
| Book Page | 12470/1538 |
| Instrument | 2022287554 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3905 CYPRESS LNDG E, WINTER HAVEN, FL 33884-2406 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2021 |
| Title Company | WATSON TITLE SERVICES INC, WATSON TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 3905 CYPRESS LNDC E, WINTER HAVEN, FL 33884 |
| Document Number | 0000281198 |
|---|---|
| Date | Oct 28, 2021 |
| Book Page | 11957/721 |
| Instrument | 2021281198 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 15, 2020 |
| Property Address | 3905 CYPRESS LNDG E, WINTER HAVEN, FL 33884-2406 |
| Document Number | 0112060863 |
| Book / Page | 011206 / 000863 |
| Instrument Date | Apr 9, 2020 |
| Instrument | 79152 |
| Transaction Type | Construction Loan |
| Record Updated | May 12, 2020 |
| Title Company | NATIONWIDE TITLE CLEARING INC, NATIONWIDE TITLE CLEARING-FL |
| Name | Verified Name |
|---|---|
| Address | 3905 CYPRESS LNDG E WINTER HAVEN FL 338842406, WINTER HAVEN, FL 33884-2406 |
| Document Number | 112060863 |
|---|---|
| Date | Apr 15, 2020 |
| Book Page | 011206/000863 |
| Instrument | 79152 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Apr 14, 2021 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 1, 2017 |
| Property Address | 3905 CYPRESS LNDG E, WINTER HAVEN, FL 33884-2406 |
| Document Number | 0102511623 |
| Book / Page | 010251 / 001623 |
| Instrument Date | Aug 30, 2017 |
| Instrument | 170380 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2018 |
| Title Company | ALL REAL ESTATE TITLE SERVICES INC, ALL REAL ESTATE TITLE SVCS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,186.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3905 CYPRESS LNDG E WINTER HAVEN FL 338842406, WINTER HAVEN, FL 33884-2406 |
| Document Number | 102511624 |
|---|---|
| Date | Sep 1, 2017 |
| Book Page | 010251/001624 |
| Instrument | 170381 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 31, 2047 |
The 2025 property tax bill for 3905 Cypress Lndg E was $1,554 with a homeowner's exemption.
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 | $161,999 (+2.7%) | $201,702 (-10.27%) Land $25,000 Building $176,702 | |
| 2025 | $1,554.00 Homeowner's exemption | $157,740 | $224,799 Land $25,000 Building $199,799 |
| 2023 | $1,950.00 (+3.56%) Homeowner's exemption | $148,829 (+3%) | $233,475 (+4.68%) Land $24,000 Building $209,475 |
| 2022 | $1,883.00 Homeowner's exemption | $144,494 | $223,042 Land $20,000 Building $203,042 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3905 Cypress Lndg E in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.
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 10 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 1 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2012 · Tropical Storm Debby |
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.
The area around 3905 Cypress Lndg E has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 518 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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