Polk County property record for 4281 Roberta Dr, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,500 sqft · built 2020 |
| Lot Size | 0.168 acres (7,318 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $198,990 (Mar 2020) |
| Tax Bill | $2,596 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Mar 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-15-537004-001640 |
| Primary APN | 26-28-15-537004-001640 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,500 sqft Living Area |
| Gross Area | 1,880 sqft |
| 1st Floor Area | 1,500 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 7,318 sqft (0.168 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Porch | Finished/Open Porch |
| Street Address | 4281 ROBERTA DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33881-4375 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BUCKEYE RIDGE PB 145 PG 47-49 LOT 164 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 15 |
| Legal Subdivision | BUCKEYE RIDGE |
| Legal Tract | 537004 |
| Legal Block | 3 |
| Legal Lot Number | 164 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 13702 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4281 ROBERTA DR, WINTER HAVEN, FL 33881-4375 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 23, 2021 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 23, 2020 | Grant Deed, Subdivision Related Transfer · FHA Mortgage DHI MTG |
| Nov 22, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 23, 2020 · Amount on Record |
| Deed Sale | Mar 23, 2020 · Amount on Record |
| Prior Sale | Nov 22, 2019 · Amount on Record |
| Deed Document Number | 202065553 |
| Deed Book / Page | 11185 / 1082 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 4281 ROBERTA DR, WINTER HAVEN, FL 33881-4375 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 4281 ROBERTA DR, WINTER HAVEN, FL 33881-4375 |
| Document Number | 0000104316 |
|---|---|
| Date | Apr 23, 2021 |
| Book Page | 11682/1982 |
| Instrument | 2021104316 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 348 Months |
| Due | Apr 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 23, 2020 |
| Property Address | 4281 ROBERTA DR, WINTER HAVEN, FL 33881-4375 |
| Document Number | 0111851082 |
| Book / Page | 011185 / 001082 |
| Instrument Date | Mar 2, 2020 |
| Instrument | 65553 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 5, 2020 |
| Title Company | DHI TITLE/FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,393.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4281 ROBERTA DR WINTER HAVEN FL 338814375, WINTER HAVEN, FL 33881-4375 |
| Document Number | 111851083 |
|---|---|
| Date | Mar 23, 2020 |
| Book Page | 011185/001083 |
| Instrument | 65554 |
| Name | DHI MTG |
|---|---|
| Type | Mortgage Company |
| Address | AUSTIN, TX 78750 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 22, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 22, 2019 |
| Property Address | 4281 ROBERTA DR, WINTER HAVEN, FL 33881-4375 |
| Document Number | 0110511776 |
| Book / Page | 011051 / 001776 |
| Instrument Date | Nov 19, 2019 |
| Instrument | 249371 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,561.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6200 LEE VISTA BLVD #400 ORLANDO FL 328225149, 400, ORLANDO, FL 32822-5149 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $184,947 (+2.7%) | $224,692 (+1.9%) Land $42,000 Building $182,692 | |
| 2025 | $2,596.00 (+6.22%) Homeowner's exemption | $180,085 (+5.99%) | $220,511 (-4.59%) Land $42,000 Building $178,511 |
| 2023 | $2,444.00 (+5.12%) Homeowner's exemption | $169,913 (+4.54%) | $231,122 (+13.71%) Land $40,000 Building $191,122 |
| 2022 | $2,325.00 Homeowner's exemption | $162,537 | $203,256 Land $33,000 Building $170,256 |
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 347 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 |
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