418 Smiley Ct, Winter Haven, FL 33884 Property Records

Polk County property record for 418 Smiley Ct, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,054 sqft · built 1995
Lot Size	0.548 acres (23,888 sqft)
Owner	2 Individual Names on Record
Last Sale	$406,000 (Mar 2026)
Tax Bill	$3,965 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage May 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-35-662931-000320`

Property Details

APN / Parcel Number

Primary APN	`26-28-35-662931-000320`
Alternative APNs	`352826662931000320` `52826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,054 sqft Living Area
Gross Area	2,967 sqft
1st Floor Area	2,054 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	23,888 sqft (0.548 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	672 sqft
Porch	Florida Room
Porch Area	281 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	418 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 32
Legal Range	26E
Legal Township	28S
Legal Section	35
Legal Subdivision	LAKE MARIAM HILLS REPLAT
Legal Tract	662931
Legal Block	2
Legal Lot Number	32
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2012
Census Tract	13902

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	2 Individual Names on Record
Mailing Address	418 SMILEY CT, WINTER HAVEN, FL 33884-3831
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2026	Warranty Deed, Transfer · Conventional Mortgage PLAINS COMMERCE BANK
May 2, 2024	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Jun 8, 2023	Warranty Deed, Transfer · Conventional Mortgage PLAINS COMMERCE BANK
Jul 27, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2026 · Amount on Record
Deed Sale	Mar 17, 2026 · Amount on Record
Prior Sale	May 2, 2024 · Amount on Record
Deed Document Number	202664285
Deed Book / Page	13921 / 728
Prior Transfer Date	Jul 20, 2021
Prior Transfer Doc	0000194781
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 17, 2026
Property Address	418 SMILEY CT, WINTER HAVEN, FL 33884-3831
Document Number	0000064285
Book / Page	13921 / 728
Map Reference	MB 95 PG 1
Instrument Date	Mar 13, 2026
Instrument	2026064285
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	THE CLOSING BOUTIQUE LLC, THE CLOSING ALLIES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,842.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1766 COUNTY ROAD 12, BRYAN, OH 43506-9731

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 SMILEY CT, WINTER HAVEN, FL 33884-3831

Mortgage

Document Number	0013921730
Date	Mar 17, 2026
Instrument	13921/730

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 2, 2024
Property Address	418 SMILEY CT, WINTER HAVEN, FL 33884-3831
Document Number	0000102449
Book / Page	13102 / 127
Map Reference	MB 95 PG 1
Instrument Date	Apr 26, 2024
Instrument	2024102449
Transaction Type	Transfer
Record Updated	May 14, 2024
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,695.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2 HUNTERS POND DR, COLUMBIA, SC 29229-9003

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1492 DISCOVERY ST, DAVENPORT, FL 33896-3614

Mortgage

Document Number	0013102129
Date	May 2, 2024
Instrument	13102/129

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2054

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 8, 2023
Property Address	418 SMILEY CT, WINTER HAVEN, FL 33884-3831
Document Number	0000134969
Book / Page	12722 / 1613
Map Reference	MB 95 PG 1
Instrument Date	Jun 2, 2023
Instrument	2023134969
Transaction Type	Transfer
Record Updated	Jun 22, 2023
Title Company	HOMELIGHT SETTLEMENT LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2343 S RIDGE POINT WAY, BOISE, ID 83712-8522

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 SMILEY CT, WINTER HAVEN, FL 33884-3831
Investor	Possibly a Property Investor

Mortgage

Document Number	0127221616
Date	Jun 8, 2023
Instrument	12722/1616

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Jul 27, 2021
Property Address	418 SMILEY CT, WINTER HAVEN, FL 33884-3831
Document Number	0000194781
Book / Page	11821 / 224
Map Reference	MB 95 PG 1
Instrument Date	Jul 20, 2021
Instrument	2021194781
Transaction Type	Transfer
Record Updated	Aug 11, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	418 SMILEY CT, WINTER HAVEN, FL 33884-3831

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		$287,581 (-3.88%) Land $60,000 Building $227,581	$287,581 (-3.88%) Land $60,000 Building $227,581
2025	$3,965.00 (-0.5%)	$299,180 (+6.27%) Land $60,000 Building $239,180	$299,180 (+6.27%) Land $60,000 Building $239,180
2024	$3,985.00 (-6.7%)
2023	$4,271.00 (+136.75%)	$281,515 (+94.5%) Land $58,000 Building $223,515	$281,515 (+11.67%) Land $58,000 Building $223,515
2022	$1,804.00 Homeowner's exemption	$144,738	$252,090 Land $48,000 Building $204,090

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
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.

Wildfire

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.

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 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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