4218 Roberta Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 4218 Roberta Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,788 sqft · built 2017
Lot Size	0.145 acres (6,334 sqft)
Owner	2 Individual Names on File
Last Sale	$305,000 (Dec 2022)
Tax Bill	$3,770 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Mar 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-15-537004-000340`

Property Details

APN / Parcel Number

Primary APN	`26-28-15-537004-000340`
Alternative APNs	`152826537004000340` `52826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,788 sqft Living Area
Gross Area	2,208 sqft
1st Floor Area	1,788 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	6,334 sqft (0.145 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	16 sqft

Location & Zoning

Street Address	4218 ROBERTA DR
City	WINTER HAVEN
State	FL
Zip	33881-4374
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BUCKEYE RIDGE PB 145 PG 47-49 LOT 34
Legal Range	26E
Legal Township	28S
Legal Section	15
Legal Subdivision	BUCKEYE RIDGE
Legal Tract	537004
Legal Block	3
Legal Lot Number	34
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	3
Census Block	3008
Census Tract	13702

Owner

4218 Roberta Dr is owned and occupied by two individuals who bought it in December 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	4218 ROBERTA DR, WINTER HAVEN, FL 33881-4374
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
Jan 29, 2026	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Mar 23, 2022	Deed of Trust, Mortgage · FHA Mortgage WATERSTONE MORTGAGE CORP
Dec 9, 2022	Warranty Deed, Transfer MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO
Aug 31, 2020	Grant Deed, Transfer · FHA Mortgage WATERSTONE MTG CORP
Nov 21, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MTG
Mar 14, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2022 · Amount on File
Deed Sale	Dec 9, 2022 · Amount on File
Prior Sale	Aug 31, 2020 · Amount on File
Deed Document Number	2022319554
Deed Book / Page	12513 / 1240
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	4218 ROBERTA DR, WINTER HAVEN, FL 33881-4374
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4218 ROBERTA DR, WINTER HAVEN, FL 33881-4374

Mortgage

Document Number	0000023808
Date	Jan 29, 2026
Book Page	13863/1663
Instrument	2026023808

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	4218 ROBERTA DR, WINTER HAVEN, FL 33881-4374
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3023 REITER DR A, A, AUBURNDALE, FL 33823-3964

Mortgage

Document Number	0000078724
Date	Mar 23, 2022
Book Page	12174/1502
Instrument	2022078724

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	342 Months
Due	Sep 1, 2050

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 9, 2022
Property Address	4218 ROBERTA DR, WINTER HAVEN, FL 33881-4374
Document Number	0000319554
Book / Page	12513 / 1240
Map Reference	MB 145 PG 47-49
Instrument Date	Dec 7, 2022
Instrument	2022319554
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Transaction

Amount	Amount on Record
Tax	$2,135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15985 GARRETT DR, APPLE VALLEY, MN 55124-5964

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4218 ROBERTA DR, WINTER HAVEN, FL 33881-4374

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Aug 31, 2020
Property Address	4218 ROBERTA DR, WINTER HAVEN, FL 33881-4374
Document Number	0113561210
Book / Page	011356 / 001210
Instrument Date	Aug 27, 2020
Instrument	179215
Transaction Type	Transfer
Record Updated	Sep 24, 2020
Title Company	OTHER

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3623 REITER DR APTA AUBURNDALE FL 33823, AUBURNDALE, FL 33823

Mortgage

Document Number	113561222
Date	Aug 31, 2020
Book Page	011356/001222
Instrument	179219

Lender

Name	WATERSTONE MTG CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 30, 2050

Mortgage

Document Number	113591194,
Date	Aug 31, 2020
Book Page	011359/001194
Instrument	181230

Lender

Name	HOUSING FIN AGCY
Address	TALLAHASSEE, FL 32301-1329

Agreement

Amount	Amount on Record

November 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 21, 2017
Property Address	4218 ROBERTA DR, WINTER HAVEN, FL 33881-4374
Document Number	0103202041
Book / Page	010320 / 002041
Instrument Date	Nov 16, 2017
Instrument	224218
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2017
Title Company	DHI TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,308.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4218 ROBERTA DR WINTER HAVEN FL 338814374, WINTER HAVEN, FL 33881-4374

Mortgage

Document Number	103202042
Date	Nov 21, 2017
Book Page	010320/002042
Instrument	224219

Lender

Name	DHI MTG
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 20, 2047

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Mar 14, 2017
Property Address	4218 ROBERTA DR, WINTER HAVEN, FL 33881-4374
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 4218 Roberta Dr was $3,770 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		$240,217 (-0.64%) Land $44,000 Building $196,217	$240,217 (-0.64%) Land $44,000 Building $196,217
2025	$3,770.00 Homeowner's exemption	$241,763 Land $44,000 Building $197,763	$241,763 Land $44,000 Building $197,763
2023	$4,892.00 (+36.92%)	$254,047 (+12.05%) Land $42,000 Building $212,047	$254,047 (+12.05%) Land $42,000 Building $212,047
2022	$3,573.00 Homeowner's exemption	$226,736 Land $33,000 Building $193,736	$226,736 Land $33,000 Building $193,736

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

Flood

FEMA maps place 4218 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 4218 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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