431 Lanham Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 431 Lanham Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,281 sqft · built 2021
Lot Size	0.223 acres (9,692 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Jun 2025)
Tax Bill	$5,074 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Jun 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`26-28-08-529016-000970`

Property Details

APN / Parcel Number

Primary APN	`26-28-08-529016-000970`
Alternative APN	`082826529016000970`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,281 sqft Living Area
Gross Area	2,701 sqft
1st Floor Area	2,281 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	9,692 sqft (0.223 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Screened/Unfinished Porch
Porch Area	69 sqft

Location & Zoning

Street Address	431 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 97
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	97
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1004
Census Tract	13601

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	431 LANHAM DR, WINTER HAVEN, FL 33881-9530
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2021	Warranty Deed, Subdivision Related Transfer · Stand-Alone First Mortgage ROBERT S FISCELLA TRUST
Jun 10, 2021	Warranty Deed, Transfer INSURED R/E TITLE SERVICES, INSURED RE TITLE SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2025 · Amount on Record
Deed Sale	Jun 16, 2025 · Amount on Record
Prior Sale	Nov 9, 2021 · Amount on Record
Deed Document Number	2025139324
Deed Book / Page	13586 / 755
Record Updated	Sep 20, 2026

November 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 9, 2021
Property Address	431 LANHAM DR, WINTER HAVEN, FL 33881-9530
Document Number	0000292209
Book / Page	11974 / 68
Map Reference	MB 181 PG 1-5
Instrument Date	Nov 5, 2021
Instrument	2021292209
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 23, 2023
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,478.70
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	431 LANHAM DR, WINTER HAVEN, FL 33881-9530

Mortgage

Document Number	0001197469
Date	Nov 9, 2021
Instrument	11974/69

Lender

Name	ROBERT S FISCELLA TRUST
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 10, 2021
Property Address	431 LANHAM DR, WINTER HAVEN, FL 33881-9530
Document Number	0000149932
Book / Page	11752 / 1968
Map Reference	MB 181 PG 1-5
Instrument Date	Jun 9, 2021
Instrument	2021149932
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	$840.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

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

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 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
2025	$5,074.00 (+5.49%)	$310,311 (+5.99%)	$310,550 (-5.76%) Land $52,000 Building $258,550
2023	$4,810.00 (+2.54%) Homeowner's exemption	$292,783 (+3%)	$329,543 (+15.93%) Land $50,000 Building $279,543
2022	$4,691.00 Homeowner's exemption	$284,255 Land $50,000 Building $234,255	$284,255 Land $50,000 Building $234,255

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
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

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 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.1% 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 253 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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