409 W Lake Summit Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 409 W Lake Summit Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,220 sqft · built 1955
Lot Size	0.477 acres (20,769 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Apr 2012)
Tax Bill	$4,158 (2025)
Deeds & Mortgages	May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-34-660000-001760`

Property Details

APN / Parcel Number

Primary APN	`26-28-34-660000-001760`
Alternative APNs	`342826660000001760` `42826000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,220 sqft Living Area
Gross Area	3,724 sqft
1st Floor Area	1,750 sqft
Upper Floors Area	600 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	20,769 sqft (0.477 acres)
Lot Dimensions	233 ft deep x 77 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	504 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	1,015 sqft
Shed	1 Shed
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	409 W LAKE SUMMIT DR
City	WINTER HAVEN
State	FL
Zip	33884-1532
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ELOISE WOODS LAKE ROY UNIT PB 14 PGS 19 19A & 19B LOT 176
Legal Range	26E
Legal Township	28S
Legal Section	34
Legal Subdivision	ELOISE WOODS LAKE ROY UNIT
Legal Tract	660000
Legal Block	2
Legal Lot Number	176
Legal Unit	PB
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2012
Census Tract	14005

Owner

Source: Polk County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	6039 CYPRESS GARDENS BLVD, WINTER HAVEN, FL 33884-4115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2012 · Amount on Record
Deed Sale	Apr 13, 2012 · Amount on Record
Prior Sale	Nov 5, 1996 · Amount on Record
Deed Document Number	201266129
Deed Book / Page	8626 / 578
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	409 W LAKE SUMMIT DR, WINTER HAVEN, FL 33884-1532
Document Number	0101670463
Book / Page	010167 / 000463
Instrument Date	May 17, 2017
Transaction Type	Mortgage
Record Updated	Jun 22, 2017
Title Company	FLORIDA FAM TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	409 W LAKE SUMMIT DR WINTER HAVEN FL 338841532, WINTER HAVEN, FL 33884-1532

Mortgage

Document Number	0101670463
Date	Jun 6, 2017
Book Page	010167/000463
Instrument	107192

Lender

Name	CENTERSTATE BK/CTRL FL NA
Type	Bank
Address	WINTER HAVEN, FL 33881

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.12%

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		$363,745 (+2.7%)	$590,610 (+2.13%) Land $197,520 Building $393,090
2025	$4,158.00 (-7.15%) Homeowner's exemption	$354,182 (+5.99%)	$578,294 (-1.2%) Land $197,520 Building $380,774
2023	$4,478.00 (+12.01%) Homeowner's exemption	$334,175 (+12.21%)	$585,317 (+28.2%) Land $191,807 Building $393,510
2022	$3,998.00 Homeowner's exemption	$297,801	$456,557 Land $159,975 Building $296,582

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 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 Record median of 33 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	13 (1978–2026)
Claims Outside the SFHA	6 of 13
Most Recent Claim	Jun 2026 · rainfall accumulation
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims Hurricane Frances, Sep 2004 · 2 claims

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	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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 148 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
T-Mobile Fixed Wireless	100 / 20