4120 Oak Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 4120 Oak Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,055 sqft · built 1966
Lot Size	0.236 acres (10,280 sqft)
Owner	Individual Name on File
Last Sale	$149,500 (Sep 2019)
Tax Bill	$1,469 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-28-12-339700-000630`

Property Details

APN / Parcel Number

Primary APN	`25-28-12-339700-000630`
Alternative APNs	`122825339700000630` `22825000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,055 sqft Living Area
1st Floor Area	975 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1966
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	10,280 sqft (0.236 acres)
Lot Dimensions	130 ft deep x 80 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	100 sqft
Shed	1 Shed
Utility Building	108 sqft

Location & Zoning

Street Address	4120 OAK DR
City	WINTER HAVEN
State	FL
Zip	33881-9145
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	MARIANA HEIGHTS UNIT NO 2 PB 35 PG 25 LOT 63
Legal Range	25E
Legal Township	28S
Legal Section	12
Legal Subdivision	MARIANA HEIGHTS UNIT NO 2
Legal Tract	339700
Legal Block	3
Legal Lot Number	63
Legal Unit	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	3
Census Block	3006
Census Tract	13002

Owner

4120 Oak Dr is owned and occupied by an individual who bought it in September 2019.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	4120 OAK DR, WINTER HAVEN, FL 33881-9145
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2022	Deed of Trust, Mortgage · VA Mortgage THE MORTGAGE FIRM INC
Sep 18, 2019	Warranty Deed, Transfer · VA Mortgage MORTGAGE FIRM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2019 · Amount on File
Deed Sale	Sep 18, 2019 · Amount on File
Prior Sale	Dec 12, 2013 · Amount on File
Deed Document Number	2019198041
Deed Book / Page	10977 / 1955
Transfer Doc	0049480409
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	4120 OAK DR, WINTER HAVEN, FL 33881-9145
Transaction Type	Mortgage
Record Updated	Mar 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4120 OAK DR, WINTER HAVEN, FL 33881-9145

Mortgage

Document Number	0000055685
Date	Mar 2, 2022
Book Page	12139/2072
Instrument	2022055685

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 18, 2019
Property Address	4120 OAK DR, WINTER HAVEN, FL 33881-9145
Document Number	0109771955
Book / Page	010977 / 001955
Instrument Date	Sep 16, 2019
Instrument	198041
Transaction Type	Transfer
Record Updated	Oct 2, 2019
Title Company	HOME SOLUTION TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,046.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 OSPREY HEIGHTS DR WINTER HAVEN FL 338804987, WINTER HAVEN, FL 33880-4987

Mortgage

Document Number	109771957
Date	Sep 18, 2019
Book Page	010977/001957
Instrument	198042

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 17, 2049

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$124,077 (+2.7%)	$159,632 (-3.34%) Land $15,912 Building $143,720
2025	$1,469.00 (+3.67%) Homeowner's exemption	$120,815 (+5.99%)	$165,155 (-2.77%) Land $15,912 Building $149,243
2024	$1,417.00 (+3.66%)
2023	$1,367.00 (+5.32%) Homeowner's exemption	$113,990 (+3.91%)	$169,855 (+22.06%) Land $15,504 Building $154,351
2022	$1,298.00 Homeowner's exemption	$109,699	$139,155 Land $13,056 Building $126,099

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

Flood

FEMA maps place 4120 Oak 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 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	4 (2004)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 2004 · Hurricane Frances
Claims by Event	Hurricane Frances, Sep 2004 · 3 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

Wildfire risk around 4120 Oak Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Frontier, Verizon.

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