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

Polk County property record for 406 Christopher Ct SE, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,514 sqft · built 1993
Lot Size0.308 acres (13,408 sqft)
Owner2 Individual Names on Record
Last Sale$422,300 (Sep 2022)
Tax Bill$3,883 (2025)
Deeds & MortgagesSep 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-26-592002-000030

Property Details

APN / Parcel Number

Primary APN26-28-26-592002-000030
Alternative APN
  • 62826000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,514 sqft Living Area
Gross Area3,567 sqft
1st Floor Area2,514 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1993
Effective Year BuiltEffective 1993
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area13,408 sqft (0.308 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area720 sqft
PorchFlorida Room
Porch Area382 sqft
Utility Building100 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address406 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 3
Legal Range26E
Legal Township28S
Legal Section26
Legal SubdivisionLAKE MARIAM SHORES
Legal Tract592002
Legal Block2
Legal Lot Number3
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2012
Census Tract13902

Owner

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 Record2 Individual Names on Record
Mailing Address406 CHRISTOPHER CT SE, WINTER HAVEN, FL 33884-1573
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 19, 2022 · Amount on Record
Deed SaleSep 19, 2022 · Amount on Record
Deed Document Number2022253685
Deed Book / Page12424 / 1097
Prior Transfer DateJun 22, 2005
Prior Transfer Doc0000160399
Record UpdatedOct 29, 2026

September 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateSep 19, 2022
Property Address406 CHRISTOPHER CT SE, WINTER HAVEN, FL 33884-1573
Document Number0000253685
Book / Page12424 / 1097
Map ReferenceMB 89 PG 28
Instrument DateSep 16, 2022
Instrument2022253685
Transaction TypeTransfer
Record UpdatedFeb 5, 2024
Title CompanyALL REAL ESTATE TITLE SERVICES INC, REAL ESTATE TITLE SVCS INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,956.10
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressH50 N LAKE OTIS DRIVE, WAHNETA, FL 33880

Transferred To (Grantee/Buyer)

NameVerified Name
Address406 CHRISTOPHER CT SE, WINTER HAVEN, FL 33884-1573

Mortgage

Document Number0124241098
DateSep 19, 2022
Instrument12424/1098
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2052

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$329,262 (-1.26%) Land $60,000 Building $269,262$329,262 (-1.26%) Land $60,000 Building $269,262
2025$3,883.00 (-12.84%) Homeowner's exemption$333,465 (-0.5%) Land $60,000 Building $273,465$333,465 (-0.5%) Land $60,000 Building $273,465
2023$4,455.00 (+84.55%) Homeowner's exemption$335,139 (+82.33%) Land $58,000 Building $277,139$335,139 (+3.13%) Land $58,000 Building $277,139
2022$2,414.00 Homeowner's exemption$183,809$324,974 Land $48,000 Building $276,974

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

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 25 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies25 in force
Nearby Flood Claims2 (2004)
Most Recent ClaimSep 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

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

Wildfire RiskLow
lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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

ProviderMax Down / Up (Mbps)
Frontier
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000

May also be available: Verizon.

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