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

Polk County property record for 408 Christopher Ct SE, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,605 sqft · built 1991
Lot Size0.395 acres (17,184 sqft)
Owner2 Individual Names on Record
Last Sale$310,000 (May 2018)
Tax Bill$634 (2024)
Deeds & MortgagesMay 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-26-592002-000040

Property Details

APN / Parcel Number

Primary APN26-28-26-592002-000040
Alternative APN
  • 62826000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,605 sqft Living Area
Gross Area3,111 sqft
1st Floor Area2,605 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 1991
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area17,184 sqft (0.395 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area506 sqft

Exterior Amenities

Pool TypeEnclosed Pool
Pool Area450 sqft
PorchScreened/Unfinished Porch
Porch Area355 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address408 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 4
Legal Range26E
Legal Township28S
Legal Section26
Legal SubdivisionLAKE MARIAM SHORES
Legal Tract592002
Legal Block2
Legal Lot Number4
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 Address408 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 SaleMay 4, 2018 · Amount on Record
Deed SaleMay 4, 2018 · Amount on Record
Prior SaleSep 20, 2013 · Amount on Record
Deed Document Number201896606
Deed Book / Page10476 / 187
Record UpdatedOct 29, 2026

May 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMay 4, 2018
Property Address408 CHRISTOPHER CT SE, WINTER HAVEN, FL 33884-1573
Document Number0104760187
Book / Page010476 / 000187
Instrument DateMay 1, 2018
Instrument96606
Transaction TypeTransfer
Record UpdatedNov 21, 2018
Title CompanyREAL ESTATE TITLE SERVICES LLC, REAL ESTATE TITLE SVCS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,170.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address408 CHRISTOPHER CT SE WINTER HAVEN FL 338841573, WINTER HAVEN, FL 33884-1573

Mortgage

Document Number104760188
DateMay 4, 2018
Book Page010476/000188
Instrument96607
Lender
NameHOME BK
TypeBank
AddressMARTINSVILLE, IN 46151
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueMay 3, 2033

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$290,018 (+2.7%)$385,669 (+2.71%) Land $60,000 Building $325,669
2025$282,393 (+5.99%)$375,505 (+0.65%) Land $60,000 Building $315,505
2024$634.00 (+29.65%)
2023$489.00 (+6.77%) Homeowner's exemption$266,441 (+3%)$373,084 (+8.75%) Land $58,000 Building $315,084
2022$458.00 Homeowner's exemption$258,681$343,064 Land $48,000 Building $295,064

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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