405 Dunlin St, Winter Haven, FL 33880 Property Records

Polk County property record for 405 Dunlin St, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,265 sqft · built 2022
Lot Size	0.148 acres (6,464 sqft)
Owner	Individual Name on Record
Last Sale	$269,842 (Dec 2022)
Tax Bill	$2,326 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage May 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-28-25-354616-000550`

Property Details

APN / Parcel Number

Primary APN	`25-28-25-354616-000550`
Alternative APN	`52825000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,265 sqft Living Area
Gross Area	1,705 sqft
1st Floor Area	1,265 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	6,464 sqft (0.148 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	440 sqft
Porch	Unfinished Open Porch

Location & Zoning

Street Address	405 DUNLIN ST
City	WINTER HAVEN
State	FL
Zip	33880-2342
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE DEER PHASE TWO PB 179 PGS 3-4 LOT 55
Legal Subdivision	LAKE DEER PHASE TWO
Legal Block	3
Legal Lot Number	55
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	3
Census Block	3009
Census Tract	13801

Owner

Source: Polk County records, as of September 30, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	405 DUNLIN ST, WINTER HAVEN, FL 33880-2342
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2022	Warranty Deed, Subdivision Related Transfer · FHA Mortgage CALIBER HOME LOANS INC
May 12, 2022	Warranty Deed, Transfer INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC
Dec 21, 2020	Deed of Trust, Mortgage · Line of Credit FLORIDA CAP BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2022 · Amount on Record
Deed Sale	Dec 6, 2022 · Amount on Record
Prior Sale	May 12, 2022 · Amount on Record
Deed Document Number	2022314831
Deed Book / Page	12507 / 372
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 6, 2022
Property Address	405 DUNLIN ST, WINTER HAVEN, FL 33880-2342
Document Number	0000314831
Book / Page	12507 / 372
Map Reference	MB 179 PG 3&4
Instrument Date	Dec 2, 2022
Instrument	2022314831
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 5, 2024
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,880.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 DUNLIN ST, WINTER HAVEN, FL 33880-2342

Mortgage

Document Number	0012507373
Date	Dec 6, 2022
Instrument	12507/373

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 12, 2022
Property Address	405 DUNLIN ST, WINTER HAVEN, FL 33880-2342
Document Number	0000130012
Book / Page	12250 / 1142
Map Reference	MB 179 PG 3&4
Instrument Date	May 11, 2022
Instrument	2022130012
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Transaction

Amount	Amount Recorded
Tax	$294.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	405 DUNLIN ST, WINTER HAVEN, FL 33880-2342
Document Number	0115080224
Instrument Date	Dec 21, 2020
Transaction Type	Mortgage
Record Updated	Jan 11, 2021
Title Company	INSURED TITLE SERVICES, INSURED TITLE SVCS

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1925 E EDGEWOOD DR #100 LAKELAND FL 338033480, 100, LAKELAND, FL 33803-3480
Investor	Possibly a Property Investor

Mortgage

Document Number	0115080224
Date	Dec 23, 2020
Book Page	011508/000224
Instrument	278242

Lender

Name	FLORIDA CAP BK
Type	Bank
Address	PO BOX 551390, JACKSONVILLE, FL 32255-1390

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 22, 2040

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$200,694 (-8.82%) Land $44,000 Building $156,694	$200,694 (-8.82%) Land $44,000 Building $156,694
2025	$2,326.00 (-19.65%) Homeowner's exemption	$220,118 (+2.71%) Land $44,000 Building $176,118	$220,118 (+2.71%) Land $44,000 Building $176,118
2023	$2,895.00 (+387.37%) Homeowner's exemption	$214,308 (+512.31%) Land $42,000 Building $172,308	$214,308 (+512.31%) Land $42,000 Building $172,308
2022	$594.00	$35,000 Land $35,000	$35,000 Land $35,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1997–2004)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2004 · Tropical Storm Bonnie And Hurricane Charley

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	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 336 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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