4200 Dundee Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 4200 Dundee Rd, Winter Haven, FL 33884

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	6,782 sqft · built 1977
Lot Size	1.29 acres (56,619 sqft)
Owner	Company Name on Record
Last Sale	$145,000 (Oct 2004)
Tax Bill	$4,711 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Jun 2020 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-25-589500-001012`

Property Details

APN / Parcel Number

Primary APN	`26-28-25-589500-001012`
Alternative APNs	`252826589500001012` `52826000`

Interior

Stories	1 Story
Building Area	6,782 sqft Gross Area
1st Floor Area	6,782 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1999
Fire Resistance	Special
Lot Area	56,619 sqft
View / Lot	Commercial
Canopy	815 sqft

Location & Zoning

Street Address	4200 DUNDEE RD
City	WINTER HAVEN
State	FL
Zip	33884-0905
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	C3
Legal Description	OAK PARK PB 13 PG 15 BLK A LOT 1 BEG NW COR RUN E 250 FT S 233.12 FT W 197.5 FT NW 77.57 FT N TO BEG
Legal Range	26E
Legal Township	28S
Legal Section	25
Legal Subdivision	OAK PARK
Legal Block	A
Legal Lot Number	1
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1003
Census Tract	14001

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	Company Name on Record
Mailing Address	4200 DUNDEE RD, WINTER HAVEN, FL 33884-0905
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2025	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS BANK & TRUST
Jun 1, 2020	Loan Modification, Mortgage CITIZENS BK
Oct 9, 2019	Loan Modification, Mortgage CITIZENS BK
May 21, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2004 · Amount on Record
Deed Sale	Oct 27, 2004 · Amount on Record
Deed Document Number	2004217760
Deed Book / Page	5965 / 2086
Last Transfer Date	Jul 31, 2013
Transfer Doc	0090250337
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	4200 DUNDEE RD, WINTER HAVEN, FL 33884-0905
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4200 DUNDEE RD, WINTER HAVEN, FL 33884-0905

Mortgage

Document Number	0000267787
Date	Nov 12, 2025
Book Page	13775/408
Instrument	2025267787

Lender

Name	CITIZENS BANK & TRUST
Type	Bank
Address	FROSTPROOF, FL 33843

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	4200 DUNDEE RD, WINTER HAVEN, FL 33884-0905
Document Number	0112550465
Instrument Date	Jun 1, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4200 DUNDEE RD WINTER HAVEN FL 338840905, WINTER HAVEN, FL 33884-0905

Mortgage

Document Number	0112550465
Date	Jun 5, 2020
Book Page	011255/000465
Instrument	111531

Lender

Name	CITIZENS BK
Type	Bank
Address	FROSTPROOF, FL 33843

Agreement

Amount	Amount Recorded

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	4200 DUNDEE RD, WINTER HAVEN, FL 33884-0905
Document Number	0110030832
Instrument Date	Oct 9, 2019
Transaction Type	Mortgage
Record Updated	Oct 29, 2019
Title Company	RIDGE SECURITY TITLE INC, RIDGE SEC TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4200 DUNDEE RD WINTER HAVEN FL 338840905, WINTER HAVEN, FL 33884-0905

Mortgage

Document Number	0110030832
Date	Oct 11, 2019
Book Page	011003/000832
Instrument	215851

Lender

Name	CITIZENS BK
Type	Bank
Address	FROSTPROOF, FL 33843

Agreement

Amount	Amount Recorded

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	4200 DUNDEE RD, WINTER HAVEN, FL 33884-0905
Document Number	0108501839
Instrument Date	May 21, 2019
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	RIDGE SECURITY TITLE INC, RIDGE SEC TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4200 DUNDEE RD WINTER HAVEN FL 338840905, WINTER HAVEN, FL 33884-0905

Mortgage

Document Number	0108501839
Date	May 23, 2019
Book Page	010850/001839
Instrument	106147

Lender

Name	CITIZENS BK
Type	Bank
Address	FROSTPROOF, FL 33843

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$262,262 (+1%)	$320,811 (+12.06%) Land $169,854 Building $150,957
2025	$4,711.00 (+6.83%)	$238,420 (+21%)	$286,295 (+45.3%) Land $127,391 Building $158,904
2024	$4,410.00 (+18.52%)
2023	$3,721.00 (+1.28%)	$197,041 (+2.04%) Land $127,391 Building $69,650	$197,041 (+2.04%) Land $127,391 Building $69,650
2022	$3,674.00	$193,103 Land $127,391 Building $65,712	$193,103 Land $127,391 Building $65,712

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 43 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	134 units insured incl. 91 condo units
Nearby Flood Claims	22 (1979–2022)
Claims Outside the SFHA	4 of 22
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 11 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

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

Wildfire Risk	Moderate above 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 179 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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