Polk County property record for 400 Suwannee Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,065 sqft · built 1974 |
| Lot Size | 0.288 acres (12,554 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $233,000 (May 2020) |
| Tax Bill | $2,374 (2025) |
| Deeds & Mortgages | Jul 2022 Line of Credit May 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-34-659500-004540 |
| Primary APN | 26-28-34-659500-004540 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,065 sqft Living Area |
| Gross Area | 2,581 sqft |
| 1st Floor Area | 2,065 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 12,554 sqft (0.288 acres) |
| Lot Dimensions | 150 ft deep x 80 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 516 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 450 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 42 sqft |
| Cooling System | Central |
|---|
| Street Address | 400 SUWANNEE RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-1416 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | ELOISE WOODS EAST LAKE MARIAM UNIT PB 19 PGS 32 32A IN S 34 35 T28 R26 LOTS 454 & SLY 20 FT OF 455 BEING LOT 125 OF UNREC VALENCIA WOOD PHASE 2 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 34 |
| Legal Subdivision | ELOISE WOODS EAST LAKE MARIAM UNIT |
| Legal Phase | 2 |
| Legal Tract | 659500 |
| Legal Block | 2 |
| Legal Lot Number | 454 |
| Legal Unit | PB |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 13902 |
Source: Polk County records, as of September 28, 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 SUWANNEE RD, WINTER HAVEN, FL 33884-1416 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 29, 2022 | Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB |
| May 27, 2020 | Warranty Deed, Transfer · FHA Mortgage AMERICAN LIBERTY MTG |
| Nov 3, 2017 | Deed of Trust, Mortgage · VA Mortgage RP FNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 27, 2020 · Amount on Record |
| Deed Sale | May 27, 2020 · Amount on Record |
| Prior Sale | Jul 1, 2014 · Amount on Record |
| Deed Document Number | 2020105162 |
| Deed Book / Page | 11245 / 1259 |
| Prior Transfer Date | Jul 20, 2007 |
| Prior Transfer Doc | 0000168439 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 400 SUWANNEE RD, WINTER HAVEN, FL 33884-1416 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 400 SUWANNEE RD, WINTER HAVEN, FL 33884-1416 |
| Document Number | 0000207236 |
|---|---|
| Date | Jul 29, 2022 |
| Book Page | 12359/1405 |
| Instrument | 2022207236 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 27, 2020 |
| Property Address | 400 SUWANNEE RD, WINTER HAVEN, FL 33884-1416 |
| Document Number | 0112451259 |
| Book / Page | 011245 / 001259 |
| Instrument Date | May 21, 2020 |
| Instrument | 105162 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2020 |
| Title Company | INTEGRITY FIRST TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,631.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 400 SUWANNEE RD WINTER HAVEN FL 338841416, WINTER HAVEN, FL 33884-1416 |
| Document Number | 112451261 |
|---|---|
| Date | May 27, 2020 |
| Book Page | 011245/001261 |
| Instrument | 105163 |
| Name | AMERICAN LIBERTY MTG |
|---|---|
| Type | Mortgage Company |
| Address | DENVER, CO 80211 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 26, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 400 SUWANNEE RD, WINTER HAVEN, FL 33884-1416 |
| Document Number | 0103241264 |
| Book / Page | 010324 / 001264 |
| Instrument Date | Nov 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 400 SUWANNEE RD WINTER HAVEN FL 338841416, WINTER HAVEN, FL 33884-1416 |
| Document Number | 0103241264 |
|---|---|
| Date | Nov 28, 2017 |
| Book Page | 010324/001264 |
| Instrument | 227402 |
| Name | RP FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | MAITLAND, FL 32751 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 27, 2047 |
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 | $224,686 (+2.33%) | $286,345 (+4.12%) Land $42,853 Building $243,492 | |
| 2025 | $2,374.00 (-13.01%) Homeowner's exemption | $219,577 (+5.99%) | $275,014 (-2.02%) Land $42,853 Building $232,161 |
| 2023 | $2,729.00 (+2.94%) Homeowner's exemption | $207,174 (+3%) | $280,671 (+7.99%) Land $41,725 Building $238,946 |
| 2022 | $2,651.00 Homeowner's exemption | $201,140 | $259,902 Land $34,933 Building $224,969 |
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 |
|---|---|
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 308 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures