Polk County property record for 412 Smiley Ct, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,132 sqft · built 1995 |
| Lot Size | 0.352 acres (15,337 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $22,500 (May 1995) |
| Tax Bill | $1,803 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-35-662931-000290 |
| Primary APN | 26-28-35-662931-000290 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,132 sqft Living Area |
| Gross Area | 2,638 sqft |
| 1st Floor Area | 2,132 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 15,337 sqft (0.352 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 360 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 360 sqft |
| Cooling System | Central |
|---|
| Street Address | 412 SMILEY CT |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3831 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKE MARIAM HILLS REPLAT PB 95 PG 1 LOT 29 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 35 |
| Legal Subdivision | LAKE MARIAM HILLS REPLAT |
| Legal Tract | 662931 |
| Legal Block | 2 |
| Legal Lot Number | 29 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 13902 |
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 | 412 SMILEY CT, WINTER HAVEN, FL 33884-3831 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 26, 1995 · Amount on Record |
| Deed Sale | May 26, 1995 · Amount on Record |
| Prior Sale | May 25, 1995 · Amount on Record |
| Deed Book / Page | 3534 / 1916 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 412 SMILEY CT, WINTER HAVEN, FL 33884-3831 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000035399 |
|---|---|
| Date | Feb 8, 2022 |
| Book Page | 12108/2289 |
| Instrument | 2022035399 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Mar 1, 2032 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $181,277 (+2.7%) | $322,053 (+8.32%) Land $60,000 Building $262,053 | |
| 2025 | $1,803.00 (-17.33%) Homeowner's exemption | $176,511 (+5.99%) | $297,314 (+0.89%) Land $60,000 Building $237,314 |
| 2023 | $2,181.00 (+3.32%) Homeowner's exemption | $166,540 (+3%) | $294,689 (+10.13%) Land $58,000 Building $236,689 |
| 2022 | $2,111.00 Homeowner's exemption | $161,689 | $267,579 Land $48,000 Building $219,579 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 25 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 25 in force |
| Nearby Flood Claims | 2 (2004) |
| Most Recent Claim | Sep 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 394 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 |
May also be available: Verizon.
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