4178 Roberta Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 4178 Roberta Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,851 sqft · built 2018
Lot Size	0.274 acres (11,940 sqft)
Owner	Individual Name on Record
Last Sale	$208,490 (Dec 2018)
Tax Bill	$2,572 (2025)
Deeds & Mortgages	Jun 2023 Mortgage May 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-15-537004-000240`

Property Details

APN / Parcel Number

Primary APN	`26-28-15-537004-000240`
Alternative APNs	`152826537004000240` `52826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,851 sqft Living Area
Gross Area	2,292 sqft
1st Floor Area	1,851 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	11,940 sqft (0.274 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished/Open Porch
Porch Area	104 sqft

Location & Zoning

Street Address	4178 ROBERTA DR
City	WINTER HAVEN
State	FL
Zip	33881-4370
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BUCKEYE RIDGE PB 145 PG 47-49 LOT 24
Legal Range	26E
Legal Township	28S
Legal Section	15
Legal Subdivision	BUCKEYE RIDGE
Legal Tract	537004
Legal Block	3
Legal Lot Number	24
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	3
Census Block	3008
Census Tract	13702

Owner

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	4178 ROBERTA DR, WINTER HAVEN, FL 33881-4370
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
May 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 18, 2019	Deed of Trust, Mortgage · FHA Mortgage FBC MTG
Dec 5, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage FBC MTG
Mar 14, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2018 · Amount on Record
Deed Sale	Dec 5, 2018 · Amount on Record
Prior Sale	Mar 14, 2017 · Amount on Record
Deed Document Number	2018252621
Deed Book / Page	10689 / 923
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	4178 ROBERTA DR, WINTER HAVEN, FL 33881-4370
Transaction Type	Mortgage
Record Updated	Jun 28, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4178 ROBERTA DR, WINTER HAVEN, FL 33881-4370

Mortgage

Document Number	0000140689
Date	Jun 15, 2023
Book Page	12730/432
Instrument	2023140689

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	479 Months
Due	May 1, 2063

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	4178 ROBERTA DR, WINTER HAVEN, FL 33881-4370
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4178 ROBERTA DR, WINTER HAVEN, FL 33881-4370

Mortgage

Document Number	0000131393
Date	May 20, 2021
Book Page	11723/1209
Instrument	2021131393

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	90321

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	4178 ROBERTA DR, WINTER HAVEN, FL 33881-4370
Document Number	0110780367
Instrument Date	Oct 18, 2019
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	CLEAR TITLE/FL LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4178 ROBERTA DR WINTER HAVEN FL 338814370, WINTER HAVEN, FL 33881-4370

Mortgage

Document Number	0110780367
Date	Dec 18, 2019
Book Page	011078/000367
Instrument	267776

Lender

Name	FBC MTG
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 2049

December 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Dec 5, 2018
Property Address	4178 ROBERTA DR, WINTER HAVEN, FL 33881-4370
Document Number	0106890923
Book / Page	010689 / 000923
Instrument Date	Dec 4, 2018
Instrument	252621
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 20, 2018
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,459.43
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4178 ROBERTA DR WINTER HAVEN FL 338814370, WINTER HAVEN, FL 33881-4370

Mortgage

Document Number	106890924
Date	Dec 5, 2018
Book Page	010689/000924
Instrument	252622

Lender

Name	FBC MTG
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 4, 2048

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Mar 14, 2017
Property Address	4178 ROBERTA DR, WINTER HAVEN, FL 33881-4370
Document Number	0100890976
Book / Page	010089 / 000976
Instrument Date	Jan 17, 2017
Instrument	48218
Transaction Type	Transfer
Record Updated	Jun 19, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$6,835.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6200 LEE VISTA BLVD #400 ORLANDO FL 328225149, 400, ORLANDO, FL 32822-5149

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		$193,900 (+2.7%)	$250,212 (-0.61%) Land $42,000 Building $208,212
2025	$2,572.00 (-1.15%) Homeowner's exemption	$188,802 (+5.99%)	$251,748 (-4.89%) Land $42,000 Building $209,748
2023	$2,602.00 (+2.97%) Homeowner's exemption	$178,137 (+3%)	$264,678 (+12%) Land $40,000 Building $224,678
2022	$2,527.00 Homeowner's exemption	$172,949	$236,329 Land $33,000 Building $203,329

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 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

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

Wildfire Risk	Moderate above 61% of the US · lower than 63% of Florida
Wildfire Likelihood	0.1% 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 199 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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