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

Polk County property record for 405 Christopher Ct SE, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,499 sqft · built 1995
Lot Size	0.447 acres (19,454 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Jul 2023)
Tax Bill	$2,789 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Mar 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`26-28-26-592002-000070`

Property Details

APN / Parcel Number

Primary APN	`26-28-26-592002-000070`
Alternative APN	`62826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,499 sqft Living Area
Gross Area	3,074 sqft
1st Floor Area	2,499 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	19,454 sqft (0.447 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	575 sqft
Porch	Unfinished Open Porch
Porch Area	102 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	405 CHRISTOPHER CT SE
City	WINTER HAVEN
State	FL
Zip	33884-1574
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 7
Legal Range	26E
Legal Township	28S
Legal Section	26
Legal Subdivision	LAKE MARIAM SHORES
Legal Tract	592002
Legal Block	2
Legal Lot Number	7
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2012
Census Tract	13902

Owner

405 Christopher Ct SE is owned and occupied by two individuals who bought it in July 2023.

Source: Polk County records, as of September 28, 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 File
Mailing Address	405 CHRISTOPHER CT SE, WINTER HAVEN, FL 33884-1574
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2023	Deed, Transfer · Commercial Mortgage CITIZENS BANK & TRUST
Mar 3, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2023 · Amount on File
Deed Sale	Jul 24, 2023 · Amount on File
Deed Document Number	2023171527
Deed Book / Page	12774 / 522
Prior Transfer Date	Feb 14, 2020
Prior Transfer Doc	0111600768
Record Updated	Oct 29, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	POLK FL
Recording Date	Jul 24, 2023
Property Address	405 CHRISTOPHER CT SE, WINTER HAVEN, FL 33884-1574
Document Number	0000171527
Book / Page	12774 / 522
Map Reference	MB 89 PG 28
Instrument Date	Jul 11, 2023
Instrument	2023171527
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	508 LAKE MARIAM LN, WINTER HAVEN, FL 33884-4501

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	405 CHRISTOPHER CT SE, WINTER HAVEN, FL 33884-1574

Mortgage

Document Number	0012774524
Date	Jul 24, 2023
Instrument	12774/524

Lender

Name	CITIZENS BANK & TRUST
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Mar 3, 2020
Property Address	405 CHRISTOPHER CT SE, WINTER HAVEN, FL 33884-1574
Document Number	0111600768
Book / Page	011160 / 000768
Instrument Date	Feb 14, 2020
Instrument	48297
Transaction Type	Transfer
Record Updated	Mar 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	405 CHRISTOPHER CT SE WINTER HAVEN FL 338841574, WINTER HAVEN, FL 33884-1574

Tax Assessment & Valuation

The 2025 property tax bill for 405 Christopher Ct SE was $2,789 with a homeowner's exemption, up 27.8% from the year before.

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		$257,654 (+2.7%)	$299,773 (-1.55%) Land $60,000 Building $239,773
2025	$2,789.00 (+27.76%)	$250,880	$304,479 Land $60,000 Building $244,479
2024	$2,183.00 (-45.59%)
2023	$4,012.00 (+259.82%)	$303,836 (+77.54%) Land $58,000 Building $245,836	$303,836 (+9.67%) Land $58,000 Building $245,836
2022	$1,115.00 Homeowner's exemption	$171,141	$277,047 Land $48,000 Building $229,047

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 405 Christopher Ct SE 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 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

Wildfire risk around 405 Christopher Ct SE is low, with a 0.03% annual chance of 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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