409 Coleman Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 409 Coleman Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,782 sqft · built 1973
Lot Size	0.222 acres (9,662 sqft)
Owner	2 Individual Names on File
Last Sale	$228,000 (Dec 2020)
Tax Bill	$2,224 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Feb 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-36-663000-000929`

Property Details

APN / Parcel Number

Primary APN	`26-28-36-663000-000929`
Alternative APNs	`362826663000000929` `62826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,782 sqft Living Area
Gross Area	2,262 sqft
1st Floor Area	1,782 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2008
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	9,662 sqft (0.222 acres)
Lot Dimensions	105 ft deep x 90 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	480 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	240 sqft
Porch	Unfinished Open Porch
Porch Area	132 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	409 COLEMAN DR
City	WINTER HAVEN
State	FL
Zip	33884-2557
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	FLA HIGHLANDS CO SUB PB 3 PG 27 LOT 9 S 90 FT OF N 315 FT OF E 105 FT OF S1/2 OF NW1/4 OF SE1/4 BEING LOT 61 OF UNREC GARDEN GROVE HARBORS #2 & SUMMERHAVEN SHORES PB 43 PG 46 LOT 74 THAT PT DESC AS: BEG 225 FT S OF NE COR OF S1/2 OF NW1/4 OF SE1/4 S
Legal Range	26E
Legal Township	28S
Legal Section	36
Legal Subdivision	FLORIDA HIGHLAND CO SUBDIVISION
Legal Tract	663000
Legal Block	2
Legal Lot Number	9
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2006
Census Tract	14001

Owner

409 Coleman Dr is owned and occupied by two individuals who bought it in December 2020.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	409 COLEMAN DR, WINTER HAVEN, FL 33884-2557
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2020	Warranty Deed, Transfer · FHA Mortgage GUILD MTG
Feb 26, 2019	Quit Claim Deed, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2020 · Amount on File
Deed Sale	Dec 11, 2020 · Amount on File
Prior Sale	Dec 20, 1999 · Amount on File
Deed Document Number	2020267777
Deed Book / Page	11491 / 1905
Prior Transfer Date	Feb 12, 2019
Prior Transfer Doc	0107600068
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 11, 2020
Property Address	409 COLEMAN DR, WINTER HAVEN, FL 33884-2557
Document Number	0114911905
Book / Page	011491 / 001905
Instrument Date	Oct 23, 2020
Instrument	267777
Transaction Type	Transfer
Record Updated	Dec 24, 2020
Title Company	FLAGSHIP TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,596.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5150 BOGGY CREEK RD #H18 ST CLOUD FL 347719290, H18, ST CLOUD, FL 34771-9290

Mortgage

Document Number	114911907
Date	Dec 11, 2020
Book Page	011491/001907
Instrument	267778

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 10, 2050

February 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Feb 26, 2019
Property Address	409 COLEMAN DR, WINTER HAVEN, FL 33884-2557
Document Number	0107600068
Book / Page	010760 / 000068
Instrument Date	Feb 12, 2019
Instrument	37817
Transaction Type	Mortgage
Record Updated	Mar 11, 2019
Title Company	AMROCK INC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	409 COLEMAN DR WINTER HAVEN FL 338842557, WINTER HAVEN, FL 33884-2557

Mortgage

Document Number	107600071
Date	Feb 26, 2019
Book Page	010760/000071
Instrument	37818

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Feb 25, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 409 Coleman Dr was $2,224 with a homeowner's exemption, down 19.8% from the year before.

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		$217,963 (+2.7%)	$286,143 (+5.04%) Land $39,594 Building $246,549
2025	$2,224.00 (-19.77%) Homeowner's exemption	$212,233	$272,401 Land $39,594 Building $232,807
2024	$2,772.00 (+7.44%)
2023	$2,580.00 (+3.2%) Homeowner's exemption	$200,245 (+3%)	$286,908 (+16.95%) Land $38,628 Building $248,280
2022	$2,500.00 Homeowner's exemption	$194,413	$245,315 Land $31,868 Building $213,447

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

Flood

FEMA maps place 409 Coleman Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (2017–2022)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2022 · Hurricane Ian

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

Wildfire risk around 409 Coleman Dr is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.1% 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 250 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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