400 Christopher Ct SE, Winter Haven, FL 33884 Property Records

Polk County property record for 400 Christopher Ct SE, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,240 sqft · built 1992
Lot Size	0.376 acres (16,361 sqft)
Owner	2 Individual Names on Record
Last Sale	$368,500 (Oct 2021)
Tax Bill	$3,975 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-26-592002-000010`

Property Details

APN / Parcel Number

Primary APN	`26-28-26-592002-000010`
Alternative APN	`62826000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,240 sqft Living Area
Gross Area	2,782 sqft
1st Floor Area	2,240 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2004
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	16,361 sqft (0.376 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	542 sqft
Pool Area	512 sqft
Porch	Finished/Open Porch
Porch Area	458 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	400 CHRISTOPHER CT SE
City	WINTER HAVEN
State	FL
Zip	33884-1573
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE MARIAM SHORES PB 89 PG 28 LYING IN A PORTION OF SECS 26 T28 R26 & 35 T28 R26 LOT 1
Legal Range	26E
Legal Township	28S
Legal Section	26
Legal Subdivision	LAKE MARIAM SHORES
Legal Tract	592002
Legal Block	2
Legal Lot Number	1
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2012
Census Tract	13902

Owner

Source: Polk County records, as of June 23, 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 Record
Mailing Address	400 CHRISTOPHER CT SE, WINTER HAVEN, FL 33884-1573
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 19, 2020	Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT RESID'L MTG
Jan 11, 2018	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2021 · Amount on Record
Deed Sale	Oct 26, 2021 · Amount on Record
Prior Sale	Aug 19, 2020 · Amount on Record
Deed Document Number	2021278941
Deed Book / Page	11953 / 1684
Record Updated	Sep 20, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 26, 2021
Property Address	400 CHRISTOPHER CT SE, WINTER HAVEN, FL 33884-1573
Document Number	0000278941
Book / Page	11953 / 1684
Map Reference	MB 89 PG 28
Instrument Date	Oct 22, 2021
Instrument	2021278941
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,579.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10 DUNAWAY RD, WINTER HAVEN, FL 33880-4803

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 CHRISTOPHER CT SE, WINTER HAVEN, FL 33884-1573

Mortgage

Document Number	0119531686
Date	Oct 26, 2021
Instrument	11953/1686

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 19, 2020
Property Address	400 CHRISTOPHER CT SE, WINTER HAVEN, FL 33884-1573
Document Number	0113392066
Book / Page	011339 / 002066
Instrument Date	Aug 14, 2020
Instrument	168424
Transaction Type	Transfer
Record Updated	Sep 8, 2020
Title Company	OAK HARBOR TITLE SERVICES LLC, OAK HARBOR TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,083.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	400 CHRISTOPHER CT SE WINTER HAVEN FL 338841573, WINTER HAVEN, FL 33884-1573

Mortgage

Document Number	113392068
Date	Aug 19, 2020
Book Page	011339/002068
Instrument	168425

Lender

Name	PARAMOUNT RESID'L MTG
Type	Mortgage Company
Address	1265 CORONA POINTE CT # 30, CORONA, CA 92879-1783

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 18, 2040

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	400 CHRISTOPHER CT SE, WINTER HAVEN, FL 33884-1573
Document Number	0103712008
Book / Page	010371 / 002008
Instrument Date	Jan 11, 2018
Transaction Type	Mortgage
Record Updated	Feb 2, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	400 CHRISTOPHER CT SE WINTER HAVEN FL 338841573, WINTER HAVEN, FL 33884-1573

Mortgage

Document Number	0103712008
Date	Jan 18, 2018
Book Page	010371/002008
Instrument	13266

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 17, 2048

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 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
2025	$3,975.00 (-6.84%) Homeowner's exemption	$340,423 (+5.99%)	$343,856 (-0.11%) Land $60,000 Building $283,856
2023	$4,267.00 (+2.4%) Homeowner's exemption	$321,193 (+3%)	$344,251 (+10.39%) Land $58,000 Building $286,251
2022	$4,167.00 Homeowner's exemption	$311,838 Land $48,000 Building $263,838	$311,838 Land $48,000 Building $263,838

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

Flood

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 Record median of 25 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	25 in force
Nearby Flood Claims	2 (2004)
Most Recent Claim	Sep 2004 · Hurricane Frances

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

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

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 394 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

May also be available: Verizon.

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