409 Dunlin St, Winter Haven, FL 33880 Property Records

Polk County property record for 409 Dunlin St, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,944 sqft · built 2021
Lot Size	0.126 acres (5,502 sqft)
Owner	Individual Name on Record
Last Sale	$329,800 (Apr 2022)
Tax Bill	$3,112 (2025)
Deeds & Mortgages	Apr 2022 Sale Dec 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-28-25-354616-000540`

Property Details

APN / Parcel Number

Primary APN	`25-28-25-354616-000540`
Alternative APN	`52825000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,944 sqft Living Area
Gross Area	2,385 sqft
1st Floor Area	1,944 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,502 sqft (0.126 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Unfinished Open Porch

Location & Zoning

Street Address	409 DUNLIN ST
City	WINTER HAVEN
State	FL
Zip	33880-2342
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE DEER PHASE TWO PB 179 PGS 3-4 LOT 54
Legal Range	25E
Legal Township	28S
Legal Section	25
Legal Subdivision	LAKE DEER PHASE TWO
Legal Phase	2
Legal Block	3
Legal Lot Number	54
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	3
Census Block	3009
Census Tract	13801

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 Record	Individual Name on Record
Mailing Address	409 DUNLIN ST, WINTER HAVEN, FL 33880-2342
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2022	Warranty Deed, Subdivision Related Transfer INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC
Dec 21, 2020	Deed of Trust, Mortgage · Line of Credit FLORIDA CAP BK
Dec 8, 2020	Warranty Deed, Transfer INSURED R/E TITLE SERVICES, INSURED R/E TITLE SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2022 · Amount on Record
Deed Sale	Apr 11, 2022 · Amount on Record
Deed Document Number	202298516
Deed Book / Page	12204 / 1226
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 11, 2022
Property Address	409 DUNLIN ST, WINTER HAVEN, FL 33880-2342
Document Number	0000098516
Book / Page	12204 / 1226
Map Reference	MB 179 PG 3&4
Instrument Date	Apr 7, 2022
Instrument	2022098516
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 5, 2024
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Transaction

Amount	Amount Recorded
Tax	$2,308.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 DUNLIN ST, WINTER HAVEN, FL 33880-2342

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	409 DUNLIN ST, WINTER HAVEN, FL 33880-2342
Document Number	0115080224
Instrument Date	Dec 21, 2020
Transaction Type	Mortgage
Record Updated	Jan 11, 2021
Title Company	INSURED TITLE SERVICES, INSURED TITLE SVCS

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1925 E EDGEWOOD DR #100 LAKELAND FL 338033480, 100, LAKELAND, FL 33803-3480
Investor	Possibly a Property Investor

Mortgage

Document Number	0115080224
Date	Dec 23, 2020
Book Page	011508/000224
Instrument	278242

Lender

Name	FLORIDA CAP BK
Type	Bank
Address	PO BOX 551390, JACKSONVILLE, FL 32255-1390

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 22, 2040

Interest

Rate Type	Adjustable Rate

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 8, 2020
Property Address	409 DUNLIN ST, WINTER HAVEN, FL 33880-2342
Document Number	0114831752
Book / Page	011483 / 001752
Instrument Date	Dec 4, 2020
Instrument	262578
Transaction Type	Transfer
Record Updated	Dec 23, 2020
Title Company	INSURED R/E TITLE SERVICES, INSURED R/E TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$329.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1925 E EDGEWOOD DR #100 LAKELAND FL 338033480, 100, LAKELAND, FL 33803-3480
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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		$252,444 (-10.13%) Land $44,000 Building $208,444	$252,444 (-10.13%) Land $44,000 Building $208,444
2025	$3,112.00 (-15.46%) Homeowner's exemption	$280,914 (+2.44%) Land $44,000 Building $236,914	$280,914 (+2.44%) Land $44,000 Building $236,914
2023	$3,681.00 (+369.52%) Homeowner's exemption	$274,227 (+683.51%) Land $42,000 Building $232,227	$274,227 (+683.51%) Land $42,000 Building $232,227
2022	$784.00	$35,000 Land $35,000	$35,000 Land $35,000

Assessed value is set for property tax purposes, not a market price estimate; it is 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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1997–2004)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2004 · Tropical Storm Bonnie And Hurricane Charley

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 Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.07% 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 336 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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