409 Hickory Ln, Winter Haven, FL 33880 Property Records

Polk County property record for 409 Hickory Ln, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,355 sqft · built 1984
Lot Size	0.259 acres (11,269 sqft)
Owner	2 Individual Names on File
Last Sale	$84,000 (Oct 2003)
Tax Bill	$289 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-28-26-354720-007050`

Property Details

APN / Parcel Number

Primary APN	`25-28-26-354720-007050`
Alternative APNs	`262825354720007050` `62825000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,355 sqft Living Area
Gross Area	1,670 sqft
1st Floor Area	1,355 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	11,269 sqft (0.259 acres)
Lot Dimensions	125 ft deep x 84 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	315 sqft

Exterior Amenities

Pool House	Pool House
Porch	Unfinished Open Porch
Porch Area	56 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	409 HICKORY LN
City	WINTER HAVEN
State	FL
Zip	33880-1112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LAKE THOMAS ESTATES UNIT 2 PB 60 PG 5 BLOCK 7 LOT 5
Legal Range	25E
Legal Township	28S
Legal Section	26
Legal Subdivision	LAKE THOMAS ESTATES UNIT 2
Legal Tract	354720
Legal Block	7
Legal Lot Number	5
Legal Unit	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1008
Census Tract	14703

Owner

409 Hickory Ln is owned and occupied by two individuals who acquired it in February 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	409 HICKORY LN, WINTER HAVEN, FL 33880-1112
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
Mar 3, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage MIDFLORIDA CU
Oct 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2003 · Amount on File
Deed Sale	Oct 3, 2003 · Amount on File
Deed Document Number	2003199615
Deed Book / Page	5534 / 956
Last Transfer Date	Feb 24, 2023
Transfer Doc	0000050009
Record Updated	Oct 29, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Mar 3, 2023
Property Address	409 HICKORY LN, WINTER HAVEN, FL 33880-1112
Document Number	0000050009
Book / Page	12601 / 1023
Map Reference	MB 60 PG 5
Instrument Date	Feb 24, 2023
Instrument	2023050009
Transaction Type	Transfer
Record Updated	Mar 16, 2023
Title Company	RIDGE SECURITY TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 HICKORY LN, WINTER HAVEN, FL 33880-1112

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 HICKORY LN, WINTER HAVEN, FL 33880-1112

Mortgage

Document Number	0126011025
Date	Mar 3, 2023
Instrument	12601/1025

Lender

Name	MIDFLORIDA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	409 HICKORY LN, WINTER HAVEN, FL 33880-1112
Document Number	0106680555
Instrument Date	Oct 26, 2018
Transaction Type	Mortgage
Record Updated	Nov 30, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	409 HICKORY LN WINTER HAVEN FL 338801112, WINTER HAVEN, FL 33880-1112

Mortgage

Document Number	0106680555
Date	Nov 13, 2018
Book Page	010668/000555
Instrument	236861

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Nov 12, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 409 Hickory Ln was $289 with a homeowner's exemption.

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		$57,340 (+2.7%)	$211,902 (+0.9%) Land $31,000 Building $180,902
2025	$289.00 Homeowner's exemption	$55,833	$210,007 Land $31,000 Building $179,007
2023	$843.00 (-0.24%) Homeowner's exemption	$52,679 (+3%)	$198,698 (+22.08%) Land $30,000 Building $168,698
2022	$845.00 Homeowner's exemption	$51,145	$162,766 Land $25,000 Building $137,766

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

Flood

FEMA maps place 409 Hickory Ln 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 39 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	39 in force

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 Hickory Ln is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within 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 System	CENTRAL serves 13,595 people · EPA ID FL6534609
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 360 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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