Polk County property record for 428 Lanham Dr, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,346 sqft · built 2022 |
| Lot Size | 0.255 acres (11,090 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $56,000 (Aug 2021) |
| Tax Bill | $4,138 (2025) |
| Deeds & Mortgages | Jan 2024 Transfer Aug 2021 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-08-529016-000680 |
| Primary APN | 26-28-08-529016-000680 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,346 sqft Living Area |
| Gross Area | 2,746 sqft |
| 1st Floor Area | 2,346 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 11,090 sqft (0.255 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Slab |
| Porch Area | 80 sqft |
| Street Address | 428 LANHAM DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33881-9530 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SANCTUARY BY THE LAKE PHASE ONE PB 181 PG 1-5 LOT 68 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 08 |
| Legal Subdivision | SANCTUARY BY THE LAKE PHASE ONE |
| Legal Phase | 1 |
| Legal Block | 1 |
| Legal Lot Number | 68 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 13601 |
Source: Polk County records · APN 26-28-08-529016-000680
Assessment roll updated June 23, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 428 LANHAM DR, WINTER HAVEN, FL 33881-9530 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jan 19, 2024 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Aug 16, 2021 | Warranty Deed, Construction Loan · Construction Mortgage FBC MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 16, 2021 · Amount on Record |
| Deed Sale | Aug 16, 2021 · Amount on Record |
| Deed Document Number | 2021213043 |
| Deed Book / Page | 11849 / 1159 |
| Last Transfer Date | Jan 11, 2024 |
| Transfer Doc | 0000014421 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 19, 2024 |
| Property Address | 428 LANHAM DR, WINTER HAVEN, FL 33881-9530 |
| Document Number | 0000014421 |
| Book / Page | 12978 / 346 |
| Map Reference | MB 181 PG 1-5 |
| Instrument Date | Jan 11, 2024 |
| Instrument | 2024014421 |
| Transaction Type | Transfer |
| Record Updated | Feb 05, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 428 LANHAM DR, WINTER HAVEN, FL 33881-9530 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 428 LANHAM DR, WINTER HAVEN, FL 33881-9530 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 16, 2021 |
| Property Address | 428 LANHAM DR, WINTER HAVEN, FL 33881-9530 |
| Document Number | 0000213043 |
| Book / Page | 11849 / 1159 |
| Map Reference | MB 181 PG 1-5 |
| Instrument Date | Aug 12, 2021 |
| Instrument | 2021213043 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 05, 2024 |
| Title Company | INSURED R/E TITLE SERVICES, INSURED RE TITLE SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $392.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1925 E EDGEWOOD DR # DR100E, DR100E, LAKELAND, FL 33803-3480 |
| Name | Verified Name |
|---|---|
| Address | 2085 28TH ST NW, WINTER HAVEN, FL 33881-1803 |
| Document Number | 0118491160 |
|---|---|
| Date | Aug 16, 2021 |
| Instrument | 11849/1160 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 369 Months |
| Due | May 01, 2052 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,138.00 (+5.67%) Homeowner's exemption | $261,141 (+5.99%) | $306,077 (-5.86%) Land $52,000 Building $254,077 |
| 2023 | $3,916.00 (+303.3%) Homeowner's exemption | $246,389 (+392.78%) | $325,137 (+550.27%) Land $50,000 Building $275,137 |
| 2022 | $971.00 | $50,000 Land $50,000 | $50,000 Land $50,000 |
Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 1 (2022) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Wildfire Risk | Moderate above 54% of the US · lower than 74% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Frontier.
Based on FCC filings for 253 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2021 |
| Lead | 7 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures