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

Polk County property record for 404 Christopher Ct SE, Winter Haven, FL 33884 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,426 sqft · built 1990
Lot Size0.321 acres (13,983 sqft)
Owner2 Individual Names on File
Last Sale$189,500 (Feb 2016)
Tax Bill$2,681 (2025)
Deeds & MortgagesJun 2026 Mortgage
Jul 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN26-28-26-592002-000020

Property Details

APN / Parcel Number

Primary APN26-28-26-592002-000020
Alternative APN
  • 62826000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,426 sqft Living Area
Gross Area3,484 sqft
1st Floor Area2,426 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 1990
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area13,983 sqft (0.321 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area1,058 sqft
PorchScreened/Unfinished Porch
Porch Area233 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address404 CHRISTOPHER CT SE
CityWINTER HAVEN
StateFL
Zip33884-1573
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKE MARIAM SHORES PB 89 PG 28 LYING IN A PORTION OF SECS 26 T28 R26 & 35 T28 R26 LOT 2
Legal Range26E
Legal Township28S
Legal Section26
Legal SubdivisionLAKE MARIAM SHORES
Legal Tract592002
Legal Block2
Legal Lot Number2
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2012
Census Tract13902

Owner

Source: Polk County records · APN 26-28-26-592002-000020

Assessment roll updated June 23, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address404 CHRISTOPHER CT SE, WINTER HAVEN, FL 33884-1573
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 08, 2026Deed of Trust, Mortgage · FHA Mortgage
ROCKET MORTGAGE LLC
Jul 29, 2021Deed of Trust, Mortgage · Conventional Mortgage
HOME POINT FINANCIAL CORPORATION
Dec 20, 2019Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 19, 2016 · Amount on Record
Deed SaleFeb 19, 2016 · Amount on Record
Prior SaleJul 30, 2001 · Amount on Record
Deed Document Number201629096
Deed Book / Page9748 / 1830
Prior Transfer DateAug 31, 2012
Prior Transfer Doc0000156161
Record UpdatedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Recording DateJun 08, 2026
Property Address404 CHRISTOPHER CT SE, WINTER HAVEN, FL 33884-1573
Document Number0000136260
Book / Page14029 / 129
Instrument DateJun 01, 2026
Instrument2026136260
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address404 CHRISTOPHER CT SE, WINTER HAVEN, FL 33884-1573
InvestorPossibly a Property Investor

Mortgage

Document Number0000136260,
DateJun 08, 2026
Book Page14029/129
Instrument2026136260
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2056
Interest
Rate TypeAdjustable Rate
Rate5.38%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address404 CHRISTOPHER CT SE, WINTER HAVEN, FL 33884-1573
Transaction TypeMortgage
Record UpdatedFeb 05, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address404 CHRISTOPHER CT SE, WINTER HAVEN, FL 33884-1573

Mortgage

Document Number0000196672
DateJul 29, 2021
Book Page11824/512
Instrument2021196672
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeGovernment Agency
AddressPARSIPPANY, NJ 07054
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term301 Months
DueAug 01, 2046

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address404 CHRISTOPHER CT SE, WINTER HAVEN, FL 33884-1573
Document Number0110890431
Instrument DateDec 20, 2019
Transaction TypeMortgage
Record UpdatedJan 20, 2020
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address404 CHRISTOPHER CT SE WINTER HAVEN FL 338841573, WINTER HAVEN, FL 33884-1573

Mortgage

Document Number0110890431
DateDec 30, 2019
Book Page011089/000431
Instrument275145
Lender
NameUNITED WHOLESALE MTG
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 29, 2049

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,681.00 (-11.34%) Homeowner's exemption$242,766 (+5.99%)$358,507 (+0.47%) Land $60,000 Building $298,507
2023$3,024.00 (+2.79%) Homeowner's exemption$229,052 (+3%)$356,819 (+11.96%) Land $58,000 Building $298,819
2022$2,942.00 Homeowner's exemption$222,381$318,716 Land $48,000 Building $270,716

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050139022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 25 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies25 in force
Nearby Flood Claims2 (2004)
Most Recent ClaimSep 2004, river or lake flooding, Hurricane Frances

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 394 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber5,000 / 5,000
SpectrumCable1,000 / 1,000

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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