Polk County property record for 407 Lanier Ln, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,724 sqft · built 1972 |
| Lot Size | 0.218 acres (9,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,000 (Oct 2020) |
| Tax Bill | $1,908 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Oct 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-35-662500-000735 |
| Primary APN | 26-28-35-662500-000735 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,724 sqft Living Area |
| Gross Area | 1,648 sqft |
| 1st Floor Area | 1,192 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 9,500 sqft (0.218 acres) |
| Lot Dimensions | 100 ft deep x 95 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 456 sqft |
| Porch | Enclosed/Unfinished Porch |
|---|---|
| Porch Area | 702 sqft |
| Patio Area | 140 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 407 LANIER LN |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | FLA HIGHLANDS CO SUB PB 3 PG 27 LOTS 7 & 8 DESC AS W 95 FT OF E 210 FT OF N 100 FT OF S 745 FT OF NE1/4 OF SE1/4 BEING LOT 96 UNRE GARDEN GROVE PINES |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 35 |
| Legal Subdivision | FLORIDA HIGHLAND CO SUBDIVISION |
| Legal Tract | 662500 |
| Legal Block | 3 |
| Legal Lot Number | 7,8 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 14001 |
407 Lanier Ln is owned and occupied by an individual who bought it in October 2020.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 407 LANIER LN, WINTER HAVEN, FL 33884-2310 |
| 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.
| Date | Document |
|---|---|
| Sep 8, 2025 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Oct 23, 2020 | Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MTG |
| Jan 10, 2020 | Court-Ordered Deed, Foreclosure NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 23, 2020 · Amount on File |
| Deed Sale | Oct 23, 2020 · Amount on File |
| Prior Sale | Jan 16, 2015 · Amount on File |
| Deed Document Number | 2020226100 |
| Deed Book / Page | 11427 / 1577 |
| Prior Transfer Date | Oct 25, 1993 |
| Prior Transfer Doc | 3305001700 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 407 LANIER LN, WINTER HAVEN, FL 33884-2310 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000209454 |
|---|---|
| Date | Sep 8, 2025 |
| Book Page | 13689/895 |
| Instrument | 2025209454 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 15, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 23, 2020 |
| Property Address | 407 LANIER LN, WINTER HAVEN, FL 33884-2310 |
| Document Number | 0114271577 |
| Book / Page | 011427 / 001577 |
| Instrument Date | Oct 21, 2020 |
| Instrument | 226100 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2020 |
| Title Company | TRADITIONS TITLE AND ESCROW LLC, TRADITIONS TITLE & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,260.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 407 LANIER LN WINTER HAVEN FL 338842310, WINTER HAVEN, FL 33884-2310 |
| Document Number | 114271580 |
|---|---|
| Date | Oct 23, 2020 |
| Book Page | 011427/001580 |
| Instrument | 226101 |
| Name | CROSSCOUNTRY MTG |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 22, 2050 |
| Document Type | Court-Ordered Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 10, 2020 |
| Property Address | 407 LANIER LN, WINTER HAVEN, FL 33884-2310 |
| Document Number | 0111040556 |
| Book / Page | 011104 / 000556 |
| Instrument Date | Dec 30, 2019 |
| Instrument | 7708 |
| Transaction Type | Foreclosure |
| Record Updated | Jan 30, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 16745 W BERNARDO DR SAN DIEGO CA 921271907, SAN DIEGO, CA 92127-1907 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 407 Lanier Ln was $1,908 with exemptions applied.
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 | $223,443 (+2.7%) | $225,895 (-1.55%) Land $42,000 Building $183,895 | |
| 2025 | $1,908.00 Homeowner's exemption | $217,569 | $229,457 Land $42,000 Building $187,457 |
| 2023 | $2,261.00 (+0.85%) Homeowner's exemption | $205,279 (+3%) | $216,878 (+8.82%) Land $40,000 Building $176,878 |
| 2022 | $2,242.00 Homeowner's exemption | $199,300 Land $33,000 Building $166,300 | $199,300 Land $33,000 Building $166,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 407 Lanier Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (1998) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 1998 · Severe Storms, High Winds, Tornadoes, And Flooding |
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 Lanier Ln is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 500 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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