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432 Lanham Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 432 Lanham Dr, Winter Haven, FL 33881

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,281 sqft · built 2021
Lot Size0.255 acres (11,090 sqft)
Owner2 Individual Names on Record
Last Sale$271,700 (Jun 2021)
Tax Bill$4,908 (2025)
Deeds & MortgagesJun 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-08-529016-000690

Property Details

APN / Parcel Number

Primary APN26-28-08-529016-000690
Alternative APN
  • 082826529016000690

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,281 sqft Living Area
Gross Area2,701 sqft
1st Floor Area2,281 sqft

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area11,090 sqft (0.255 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area420 sqft
PorchUnfinished Open Porch
Porch Area69 sqft

Location & Zoning

Street Address432 LANHAM DR
CityWINTER HAVEN
StateFL
Zip33881-9530
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSANCTUARY BY THE LAKE PHASE ONE PB 181 PG 1-5 LOT 69
Legal Range26E
Legal Township28S
Legal Section08
Legal SubdivisionSANCTUARY BY THE LAKE PHASE ONE
Legal Phase1
Legal Block1
Legal Lot Number69
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group1
Census Block1004
Census Tract13601

Owner

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 Record2 Individual Names on Record
Mailing Address432 LANHAM DR, WINTER HAVEN, FL 33881-9530
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 25, 2021 · Amount on Record
Deed SaleJun 25, 2021 · Amount on Record
Deed Document Number2021165673
Deed Book / Page11777 / 993
Record UpdatedOct 29, 2026

June 2021: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJun 25, 2021
Property Address432 LANHAM DR, WINTER HAVEN, FL 33881-9530
Document Number0000165673
Book / Page11777 / 993
Map ReferenceMB 181 PG 1-5
Instrument DateJun 23, 2021
Instrument2021165673
Transaction TypeSubdivision Related Transfer
Record UpdatedMar 6, 2023
Title CompanyINSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,901.90
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Transferred To (Grantee/Buyer)

NameVerified Name
Address432 LANHAM DR, WINTER HAVEN, FL 33881-9530

Mortgage

Document Number0011777994
DateJun 25, 2021
Instrument11777/994
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2051

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$294,135 (-2.47%) Land $52,000 Building $242,135$294,135 (-2.47%) Land $52,000 Building $242,135
2025$4,908.00 (+4.51%) Homeowner's exemption$301,580 (+5.12%) Land $52,000 Building $249,580$301,580 (-5.81%) Land $52,000 Building $249,580
2023$4,696.00 (+2.53%) Homeowner's exemption$286,892 (+3%)$320,184 (+14.95%) Land $50,000 Building $270,184
2022$4,580.00 Homeowner's exemption$278,536 Land $50,000 Building $228,536$278,536 Land $50,000 Building $228,536

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 10 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies10 in force
Nearby Flood Claims1 (2022)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 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 RiskModerate
above 54% of the US · lower than 74% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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

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

May also be available: Frontier.

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