403 Hickory Ln, Winter Haven, FL 33880 Property Records

Polk County property record for 403 Hickory Ln, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,424 sqft · built 1983
Lot Size	0.265 acres (11,526 sqft)
Owner	2 Individual Names on File
Last Sale	$276,000 (Jul 2022)
Tax Bill	$2,616 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-28-26-354720-007020`

Property Details

APN / Parcel Number

Primary APN	`25-28-26-354720-007020`
Alternative APNs	`262825354720007020` `62825000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,424 sqft Living Area
Gross Area	1,884 sqft
1st Floor Area	1,424 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	11,526 sqft (0.265 acres)
Lot Dimensions	130 ft deep x 98 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	460 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	450 sqft
Porch	Unfinished Open Porch
Porch Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	403 HICKORY LN
City	WINTER HAVEN
State	FL
Zip	33880-1112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LAKE THOMAS ESTATES UNIT 2 PB 60 PG 5 BLOCK 7 LOT 2
Legal Range	25E
Legal Township	28S
Legal Section	26
Legal Subdivision	LAKE THOMAS ESTATES UNIT 2
Legal Tract	354720
Legal Block	7
Legal Lot Number	2
Legal Unit	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1008
Census Tract	14703

Owner

403 Hickory Ln is owned and occupied by two individuals who bought it in July 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	403 HICKORY LN, WINTER HAVEN, FL 33880-1112
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2022	Warranty Deed, Transfer · FHA Mortgage SOUTH STATE BANK NA
Mar 26, 2020	Deed of Trust, Mortgage · Conventional with PMI MORTGAGE FIRM
May 22, 2018	Warranty Deed, Transfer · Conventional with PMI MORTGAGE FIRM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2022 · Amount on File
Deed Sale	Jul 29, 2022 · Amount on File
Prior Sale	May 22, 2018 · Amount on File
Deed Document Number	2022207699
Deed Book / Page	12360 / 526
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 29, 2022
Property Address	403 HICKORY LN, WINTER HAVEN, FL 33880-1112
Document Number	0000207699
Book / Page	12360 / 526
Map Reference	MB 60 PG 5
Instrument Date	Jul 26, 2022
Instrument	2022207699
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	SMART TITLE II LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,932.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 7047, WINTER HAVEN, FL 33883-7047

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 HICKORY LN, WINTER HAVEN, FL 33880-1112

Mortgage

Document Number	0012360528
Date	Jul 29, 2022
Instrument	12360/528

Lender

Name	SOUTH STATE BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Mortgage

Document Number	0000207701
Date	Jul 29, 2022
Book Page	12360/538
Instrument	2022207701

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	WINTER HAVEN, FL 33880

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	403 HICKORY LN, WINTER HAVEN, FL 33880-1112
Document Number	0111932087
Instrument Date	Mar 26, 2020
Transaction Type	Mortgage
Record Updated	May 6, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	403 HICKORY LN WINTER HAVEN FL 338801112, WINTER HAVEN, FL 33880-1112

Mortgage

Document Number	0111932087
Date	Apr 1, 2020
Book Page	011193/002087
Instrument	71048

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Mar 31, 2035

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 22, 2018
Property Address	403 HICKORY LN, WINTER HAVEN, FL 33880-1112
Document Number	0104921642
Book / Page	010492 / 001642
Instrument Date	May 21, 2018
Instrument	109364
Transaction Type	Transfer
Record Updated	Jun 19, 2018
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,119.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	403 HICKORY LN WINTER HAVEN FL 338801112, WINTER HAVEN, FL 33880-1112

Mortgage

Document Number	104921644
Date	May 22, 2018
Book Page	010492/001644
Instrument	109365

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTS SPRINGS, FL 32714

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 21, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 403 Hickory Ln was $2,616 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		$249,088 (+2.7%)	$259,983 (+7.12%) Land $31,000 Building $228,983
2025	$2,616.00	$242,539	$242,710 Land $31,000 Building $211,710
2023	$3,032.00 (+56.69%) Homeowner's exemption	$228,839 (+54.9%) Land $30,000 Building $198,839	$228,839 (+20.93%) Land $30,000 Building $198,839
2022	$1,935.00 Homeowner's exemption	$147,732	$189,236 Land $25,000 Building $164,236

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

Flood

FEMA maps place 403 Hickory Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 39 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	39 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.

Wildfire

Wildfire risk around 403 Hickory Ln is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within 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	CENTRAL serves 13,595 people · EPA ID FL6534609
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 360 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Hickory Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures