Polk County property record for 407 Christopher Ct SE, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,327 sqft · built 1997 |
| Lot Size | 0.527 acres (22,934 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $270,000 (Sep 2013) |
| Tax Bill | $2,507 (2025) |
| Deeds & Mortgages | May 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-26-592002-000060 |
| Primary APN | 26-28-26-592002-000060 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,327 sqft Living Area |
| Gross Area | 3,293 sqft |
| 1st Floor Area | 2,327 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 22,934 sqft (0.527 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 450 sqft |
| Porch | Florida Room |
| Porch Area | 508 sqft |
| Cooling System | Central |
|---|
| Street Address | 407 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 6 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 26 |
| Legal Subdivision | LAKE MARIAM SHORES |
| Legal Tract | 592002 |
| Legal Block | 2 |
| Legal Lot Number | 6 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 13902 |
407 Christopher Ct SE is owned and occupied by two individuals who bought it in September 2013.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 407 CHRISTOPHER CT SE, WINTER HAVEN, FL 33884-1574 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 9, 2013 · Amount on File |
| Deed Sale | Sep 9, 2013 · Amount on File |
| Prior Sale | Nov 5, 2007 · Amount on File |
| Deed Document Number | 2013166332 |
| Deed Book / Page | 9055 / 1952 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 407 CHRISTOPHER CT SE, WINTER HAVEN, FL 33884-1574 |
| Document Number | 0105170114 |
| Instrument Date | May 30, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 407 CHRISTOPHER CT SE WINTER HAVEN FL 338841574, WINTER HAVEN, FL 33884-1574 |
| Document Number | 0105170114 |
|---|---|
| Date | Jun 14, 2018 |
| Book Page | 010517/000114 |
| Instrument | 127084 |
| Name | CITIZENS BK |
|---|---|
| Type | Bank |
| Address | FROSTPROOF, FL 33843 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 407 Christopher Ct SE was $2,507 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $235,810 (+2.7%) | $379,563 (+3.89%) Land $60,000 Building $319,563 | |
| 2025 | $2,507.00 Homeowner's exemption | $229,611 | $365,354 Land $60,000 Building $305,354 |
| 2023 | $2,857.00 (+2.88%) Homeowner's exemption | $216,641 (+3%) | $362,584 (+12.59%) Land $58,000 Building $304,584 |
| 2022 | $2,777.00 Homeowner's exemption | $210,331 | $322,042 Land $48,000 Building $274,042 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 407 Christopher Ct SE in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2004.
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 |
|---|---|
| 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 risk around 407 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.
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 |
| 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.
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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