Polk County property record for 4226 Shadow Wood Dr, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,584 sqft · built 1979 |
| Lot Size | 0.338 acres (14,723 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $91,500 (Dec 2000) |
| Tax Bill | $559 (2025) |
| Deeds & Mortgages | Oct 2023 Reverse Mortgage Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-28-35-354970-000060 |
| Primary APN | 25-28-35-354970-000060 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,584 sqft Living Area |
| Gross Area | 2,136 sqft |
| 1st Floor Area | 1,584 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 14,723 sqft (0.338 acres) |
| Lot Dimensions | 163 ft deep x 90 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 48 sqft |
| Shed | 1 Shed |
| Street Address | 4226 SHADOW WOOD DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-1520 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | SHADOW WOOD PB 65 PG 49 LOT 6 |
| Legal Range | 25E |
| Legal Township | 28S |
| Legal Section | 35 |
| Legal Subdivision | SHADOW WOOD |
| Legal Tract | 354970 |
| Legal Block | 3 |
| Legal Lot Number | 6 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 14703 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 4226 SHADOW WOOD DR, WINTER HAVEN, FL 33880-1520 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 26, 2023 | Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC |
| Dec 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 1, 2000 · Amount on Record |
| Deed Sale | Dec 1, 2000 · Amount on Record |
| Deed Book / Page | 4581 / 1863 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 4226 SHADOW WOOD DR, WINTER HAVEN, FL 33880-1520 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4226 SHADOW WOOD DR, WINTER HAVEN, FL 33880-1520 |
| Document Number | 0000254717 |
|---|---|
| Date | Oct 26, 2023 |
| Book Page | 12889/747 |
| Instrument | 2023254717 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | TULSA, OK 74133 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 1012 Months |
| Due | Feb 19, 2108 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.33% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2023 |
| Change Frequency | Monthly |
| Index | 1-Year T-Bill |
| Max Rate | 12.3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 4226 SHADOW WOOD DR, WINTER HAVEN, FL 33880-1520 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 4226 SHADOW WOOD DR, WINTER HAVEN, FL 33880-1520 |
| Document Number | 0000321226 |
|---|---|
| Date | Dec 10, 2021 |
| Book Page | 12020/554 |
| Instrument | 20210321226 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 1, 2037 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $85,689 (+2.7%) | $210,572 (-4.41%) Land $31,000 Building $179,572 | |
| 2025 | $559.00 (-48.53%) Homeowner's exemption | $83,436 (+7.31%) | $220,282 (-2.21%) Land $31,000 Building $189,282 |
| 2023 | $1,086.00 (+8.93%) Homeowner's exemption | $77,752 (+3%) | $225,263 (+12.12%) Land $30,000 Building $195,263 |
| 2022 | $997.00 Homeowner's exemption | $75,487 | $200,908 Land $25,000 Building $175,908 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CENTRAL serves 13,595 people · EPA ID FL6534609 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2023 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 10 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 276 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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