Polk County property record for 397 Fish Hawk Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,836 sqft · built 2007 |
| Lot Size | 0.293 acres (12,754 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $139,000 (Oct 2015) |
| Tax Bill | $3,229 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-24-690595-000250 |
| Primary APN | 26-29-24-690595-000250 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,836 sqft Living Area |
| Gross Area | 3,450 sqft |
| 1st Floor Area | 1,296 sqft |
| Upper Floors Area | 1,540 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 12,754 sqft (0.293 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 614 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 298 sqft |
| Street Address | 397 FISH HAWK DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-4175 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HART LAKE COVE PHASE II PB 136 PGS 37 & 38 LOT 25 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 24 |
| Legal Subdivision | HART LAKE COVE PHASE II |
| Legal Phase | II |
| Legal Tract | 690595 |
| Legal Block | 2 |
| Legal Lot Number | 25 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 14401 |
Source: Polk County records, as of October 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 397 FISH HAWK DR, WINTER HAVEN, FL 33884-4175 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 6, 2015 · Amount on Record |
| Deed Sale | Oct 6, 2015 · Amount on Record |
| Prior Sale | Dec 31, 2007 · Amount on Record |
| Deed Document Number | 2015180994 |
| Deed Book / Page | 9644 / 1202 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 397 FISH HAWK DR, WINTER HAVEN, FL 33884-4175 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2024 |
| Name | Verified Name |
|---|---|
| Address | 397 FISH HAWK DR, WINTER HAVEN, FL 33884-4175 |
| Document Number | 0000045946 |
|---|---|
| Date | Feb 27, 2024 |
| Book Page | 13020/2065 |
| Instrument | 2024045946 |
| Name | GARDNER FINANCIAL SERVICES LTD |
|---|---|
| Type | Funding / Finance Company |
| Address | SAN ANTONIO, TX 78258 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $221,994 (+2.7%) | $298,338 (-1.62%) Land $52,000 Building $246,338 | |
| 2025 | $3,229.00 (+6.15%) Homeowner's exemption | $216,158 (+5.99%) | $303,237 (+2.92%) Land $52,000 Building $251,237 |
| 2023 | $3,042.00 (+2.98%) Homeowner's exemption | $203,948 (+3%) | $294,621 (+15.61%) Land $50,000 Building $244,621 |
| 2022 | $2,954.00 Homeowner's exemption | $198,008 | $254,843 Land $42,000 Building $212,843 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 29 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 29 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 | Moderate above 46% of the US · lower than 83% 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.
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 214 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 |
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