Polk County property record for 415 Lanier Ln, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,987 sqft · built 1972 |
| Lot Size | 0.389 acres (16,936 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $90,963 (Dec 2021) |
| Tax Bill | $808 (2025) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-35-662500-000724 |
| Primary APN | 26-28-35-662500-000724 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,987 sqft Living Area |
| Gross Area | 2,533 sqft |
| 1st Floor Area | 1,987 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 16,936 sqft (0.389 acres) |
| Lot Dimensions | 125 ft deep x 98 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 546 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 450 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 42 sqft |
| Shed | 1 Shed |
| Street Address | 415 LANIER LN |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | FLA HIGHLANDS CO SUB PB 3 PG 27 LOTS 7 & 8 DESC AS BEG 645 FT N & 335 FT W OF SE COR OF NE1/4 OF SE1/4 RUN W 65 FT N 160 FT E 105.69 FT TO PT ON CURVE SELY ALONG CURVE A CHORD DISTANCE OF 57.85 FT S 32 DEG 29 MIN 05 SEC W 132.49 FT TO POB BEING LOT 9 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 35 |
| Legal Subdivision | FLORIDA HIGHLAND CO SUBDIVISION |
| Legal Tract | 662500 |
| Legal Block | 3 |
| Legal Lot Number | 7,8 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 14001 |
415 Lanier Ln is owned and occupied by two individuals who bought it in December 2021.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 415 LANIER LN, WINTER HAVEN, FL 33884-2310 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 1, 2021 | Quit Claim Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Sep 27, 2019 | Deed of Trust, Mortgage · Conventional with PMI FIRST MTG CORP/WINTER HAVEN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 2021 · Amount on File |
| Deed Sale | Dec 1, 2021 · Amount on File |
| Prior Sale | Apr 28, 2006 · Amount on File |
| Deed Document Number | 2021311860 |
| Deed Book / Page | 12005 / 440 |
| Prior Transfer Date | Nov 17, 2021 |
| Prior Transfer Doc | 0000311860 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 1, 2021 |
| Property Address | 415 LANIER LN, WINTER HAVEN, FL 33884-2310 |
| Document Number | 0000311860 |
| Book / Page | 12005 / 440 |
| Map Reference | MB 3 PG 27 |
| Instrument Date | Nov 17, 2021 |
| Instrument | 2021311860 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount on Record |
|---|---|
| Tax | $637.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 415 LANIER LN, WINTER HAVEN, FL 33884-2310 |
| Document Number | 0012005444 |
|---|---|
| Date | Dec 1, 2021 |
| Instrument | 12005/444 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 415 LANIER LN, WINTER HAVEN, FL 33884-2310 |
| Document Number | 0109931270 |
| Instrument Date | Sep 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 415 LANIER LN WINTER HAVEN FL 338842310, WINTER HAVEN, FL 33884-2310 |
| Document Number | 0109931270 |
|---|---|
| Date | Oct 2, 2019 |
| Book Page | 010993/001270 |
| Instrument | 209192 |
| Name | FIRST MTG CORP/WINTER HAVEN |
|---|---|
| Type | Mortgage Company |
| Address | WINTER HAVEN, FL 33880 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2049 |
The 2025 property tax bill for 415 Lanier Ln was $808 with a homeowner's exemption.
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 | $104,191 (+2.7%) | $273,600 (+2.64%) Land $50,000 Building $223,600 | |
| 2025 | $808.00 Homeowner's exemption | $101,452 | $266,573 Land $50,000 Building $216,573 |
| 2023 | $1,241.00 (+4.81%) Homeowner's exemption | $95,721 (+3%) | $254,296 (+1.26%) Land $48,000 Building $206,296 |
| 2022 | $1,184.00 Homeowner's exemption | $92,933 | $251,144 Land $40,000 Building $211,144 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 415 Lanier 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (1998) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 1998 · Severe Storms, High Winds, Tornadoes, And Flooding |
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 risk around 415 Lanier Ln 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.
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 500 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 |
| AT&T Fixed Wireless | 100 / 20 |
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