421 Dunlin St, Winter Haven, FL 33880 Property Records

Polk County property record for 421 Dunlin St, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,161 sqft · built 2021
Lot Size	0.138 acres (5,998 sqft)
Owner	2 Individual Names on Record
Last Sale	$251,016 (Sep 2021)
Tax Bill	$3,307 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Mar 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-28-25-354616-000510`

Property Details

APN / Parcel Number

Primary APN	`25-28-25-354616-000510`
Alternative APN	`52825000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,161 sqft Living Area
Gross Area	2,561 sqft
1st Floor Area	2,161 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	5,998 sqft (0.138 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Porch	Unfinished Open Porch

Location & Zoning

Street Address	421 DUNLIN ST
City	WINTER HAVEN
State	FL
Zip	33880-2342
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE DEER PHASE TWO PB 179 PGS 3-4 LOT 51
Legal Range	25E
Legal Township	28S
Legal Section	25
Legal Subdivision	LAKE DEER PHASE TWO
Legal Phase	2
Legal Block	3
Legal Lot Number	51
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	3
Census Block	3009
Census Tract	13801

Owner

Source: Polk County records, as of June 23, 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	421 DUNLIN ST, WINTER HAVEN, FL 33880-2342
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage HOME SOLUTION LENDERS INC
Mar 18, 2021	Warranty Deed, Transfer INSURED R/E TITLE SERVICES, INSURED RE TITLE SVCS INC
Dec 21, 2020	Deed of Trust, Mortgage · Line of Credit FLORIDA CAP BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2021 · Amount on Record
Deed Sale	Sep 17, 2021 · Amount on Record
Prior Sale	Mar 18, 2021 · Amount on Record
Deed Document Number	2021243264
Deed Book / Page	11897 / 547
Record Updated	Sep 20, 2026

September 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 17, 2021
Property Address	421 DUNLIN ST, WINTER HAVEN, FL 33880-2342
Document Number	0000243264
Book / Page	11897 / 547
Map Reference	MB 179 PG 3&4
Instrument Date	Sep 13, 2021
Instrument	2021243264
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 23, 2023
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,757.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1925 E EDGEWOOD DRB, LAKELAND, FL 33803

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	421 DUNLIN ST, WINTER HAVEN, FL 33880-2342

Mortgage

Document Number	0011897548
Date	Sep 17, 2021
Instrument	11897/548

Lender

Name	HOME SOLUTION LENDERS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 18, 2021
Property Address	421 DUNLIN ST, WINTER HAVEN, FL 33880-2342
Document Number	0000069363
Book / Page	11627 / 2245
Map Reference	MB 179 PG 3&4
Instrument Date	Mar 17, 2021
Instrument	2021069363
Transaction Type	Transfer
Record Updated	Feb 23, 2023
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TITLE SVCS INC

Transaction

Amount	Amount Recorded
Tax	$283.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	421 DUNLIN ST, WINTER HAVEN, FL 33880-2342
Document Number	0115080224
Instrument Date	Dec 21, 2020
Transaction Type	Mortgage
Record Updated	Jan 11, 2021
Title Company	INSURED TITLE SERVICES, INSURED TITLE SVCS

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1925 E EDGEWOOD DR #100 LAKELAND FL 338033480, 100, LAKELAND, FL 33803-3480
Investor	Possibly a Property Investor

Mortgage

Document Number	0115080224
Date	Dec 23, 2020
Book Page	011508/000224
Instrument	278242

Lender

Name	FLORIDA CAP BK
Type	Bank
Address	PO BOX 551390, JACKSONVILLE, FL 32255-1390

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 22, 2040

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 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
2025	$3,307.00 (-11.74%) Homeowner's exemption	$296,030 (+5.99%)	$302,851 (+2.42%) Land $44,000 Building $258,851
2023	$3,747.00 (+2.66%) Homeowner's exemption	$279,308 (+3%)	$295,693 (+9.04%) Land $42,000 Building $253,693
2022	$3,650.00 Homeowner's exemption	$271,173 Land $35,000 Building $236,173	$271,173 Land $35,000 Building $236,173

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1997–2004)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2004 · Tropical Storm Bonnie And Hurricane Charley

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 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.07% 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 336 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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