4198 Roberta Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 4198 Roberta Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,696 sqft · built 2017
Lot Size	0.145 acres (6,329 sqft)
Owner	2 Individual Names on File
Last Sale	$226,496 (May 2018)
Tax Bill	$3,293 (2025)
Deeds & Mortgages	Dec 2020 Mortgage May 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-15-537004-000290`

Property Details

APN / Parcel Number

Primary APN	`26-28-15-537004-000290`
Alternative APNs	`152826537004000290` `52826000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,696 sqft Living Area
Gross Area	3,136 sqft
1st Floor Area	1,128 sqft
Upper Floors Area	1,568 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	6,329 sqft (0.145 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	440 sqft
Porch	Finished/Open Porch
Porch Area	40 sqft

Location & Zoning

Street Address	4198 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 29
Legal Range	26E
Legal Township	28S
Legal Section	15
Legal Subdivision	BUCKEYE RIDGE
Legal Tract	537004
Legal Block	3
Legal Lot Number	29
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	3
Census Block	3008
Census Tract	13702

Owner

4198 Roberta Dr is owned and occupied by two individuals who bought it in May 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	4198 ROBERTA DR, WINTER HAVEN, FL 33881-4370
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
May 23, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage DHI MTG
Mar 14, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2018 · Amount on File
Deed Sale	May 23, 2018 · Amount on File
Prior Sale	Mar 14, 2017 · Amount on File
Deed Document Number	2018110135
Deed Book / Page	10493 / 1989
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	4198 ROBERTA DR, WINTER HAVEN, FL 33881-4370
Document Number	0115450490
Instrument Date	Dec 30, 2020
Transaction Type	Mortgage
Record Updated	Feb 4, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4198 ROBERTA DR WINTER HAVEN FL 338814370, WINTER HAVEN, FL 33881-4370

Mortgage

Document Number	0115450490
Date	Jan 20, 2021
Book Page	011545/000490
Instrument	15261

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Jan 19, 2048

May 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	May 23, 2018
Property Address	4198 ROBERTA DR, WINTER HAVEN, FL 33881-4370
Document Number	0104931989
Book / Page	010493 / 001989
Instrument Date	May 18, 2018
Instrument	110135
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 18, 2018
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,585.47
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	4198 ROBERTA DR WINTER HAVEN FL 338814370, WINTER HAVEN, FL 33881-4370

Mortgage

Document Number	104931990
Date	May 23, 2018
Book Page	010493/001990
Instrument	110136

Lender

Name	DHI MTG
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 22, 2048

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Mar 14, 2017
Property Address	4198 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 on Record
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

The 2025 property tax bill for 4198 Roberta Dr was $3,293 with a homeowner's exemption.

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		$222,567 (+2.7%)	$295,938 (+0.13%) Land $44,000 Building $251,938
2025	$3,293.00 Homeowner's exemption	$216,716	$295,553 Land $44,000 Building $251,553
2023	$3,109.00 (+2.81%) Homeowner's exemption	$204,474 (+3%)	$306,294 (+26.01%) Land $42,000 Building $264,294
2022	$3,024.00 Homeowner's exemption	$198,518	$243,078 Land $33,000 Building $210,078

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

Flood

FEMA maps place 4198 Roberta Dr in Zone X, an area of minimal flood risk, within 100 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 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

Wildfire risk around 4198 Roberta Dr is moderate, ranking above 61% of the US, with a 0.1% annual chance of 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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