433 Dunlin St, Winter Haven, FL 33880 Property Records

Polk County property record for 433 Dunlin St, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,720 sqft · built 2021
Lot Size	0.126 acres (5,480 sqft)
Owner	2 Individual Names on Record
Last Sale	$40,500 (Dec 2020)
Tax Bill	$1,347 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jun 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-28-25-354616-000480`

Property Details

APN / Parcel Number

Primary APN	`25-28-25-354616-000480`
Alternative APN	`52825000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,720 sqft Living Area
Gross Area	2,160 sqft
1st Floor Area	1,720 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,480 sqft (0.126 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	440 sqft
Porch	Screened/Unfinished Porch

Location & Zoning

Street Address	433 DUNLIN ST
City	WINTER HAVEN
State	FL
Zip	33880-2342
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE DEER PHASE TWO PB 179 PGS 3-4 LOT 48
Legal Range	25E
Legal Township	28S
Legal Section	25
Legal Subdivision	LAKE DEER PHASE TWO
Legal Phase	2
Legal Block	3
Legal Lot Number	48
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	3
Census Block	3009
Census Tract	13801

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 Record	2 Individual Names on Record
Mailing Address	433 DUNLIN ST, WINTER HAVEN, FL 33880-2342
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2025	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jun 16, 2023	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Dec 17, 2020	Warranty Deed, Transfer · FHA Mortgage FBC MTG
Dec 8, 2020	Warranty Deed, Transfer INSURED R/E TITLE SERVICES, INSURED R/E TITLE SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2020 · Amount on Record
Deed Sale	Dec 17, 2020 · Amount on Record
Deed Document Number	2020273080
Deed Book / Page	11500 / 435
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	433 DUNLIN ST, WINTER HAVEN, FL 33880-2342
Transaction Type	Mortgage
Record Updated	Oct 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 DUNLIN ST, WINTER HAVEN, FL 33880-2342

Mortgage

Document Number	0000223663
Date	Sep 23, 2025
Book Page	13709/1140
Instrument	2025223663

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	433 DUNLIN ST, WINTER HAVEN, FL 33880-2342
Transaction Type	Mortgage
Record Updated	Jun 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 DUNLIN ST, WINTER HAVEN, FL 33880-2342

Mortgage

Document Number	0000141705
Date	Jun 16, 2023
Book Page	12731/1268
Instrument	2023141705

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 17, 2020
Property Address	433 DUNLIN ST, WINTER HAVEN, FL 33880-2342
Document Number	0115000435
Book / Page	011500 / 000435
Instrument Date	Dec 14, 2020
Instrument	273080
Transaction Type	Transfer
Record Updated	Jan 6, 2021
Title Company	INSURED TITLE SERVICES, INSURED TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$284.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	735 W PIERCE ST LAKE ALFRED FL 338502629, LAKE ALFRED, FL 33850-2629

Mortgage

Document Number	115000436
Date	Dec 17, 2020
Book Page	011500/000436
Instrument	273081

Lender

Name	FBC MTG
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2050

Interest

Rate	5.87%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 8, 2020
Property Address	433 DUNLIN ST, WINTER HAVEN, FL 33880-2342
Document Number	0114831802
Book / Page	011483 / 001802
Instrument Date	Dec 4, 2020
Instrument	262593
Transaction Type	Transfer
Record Updated	Dec 23, 2020
Title Company	INSURED R/E TITLE SERVICES, INSURED R/E TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$329.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1925 E EDGEWOOD DR #100 LAKELAND FL 338033480, 100, LAKELAND, FL 33803-3480
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$148,324 (+2.7%)	$242,698 (-9.99%) Land $44,000 Building $198,698
2025	$1,347.00 (-66.68%) Homeowner's exemption	$144,425 (-45.02%)	$269,623 (+2.64%) Land $44,000 Building $225,623
2023	$4,043.00 (+8.25%)	$262,686 (+10.39%) Land $42,000 Building $220,686	$262,686 (+10.39%) Land $42,000 Building $220,686
2022	$3,735.00	$237,966 Land $35,000 Building $202,966	$237,966 Land $35,000 Building $202,966

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1997–2004)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2004 · Tropical Storm Bonnie And Hurricane Charley

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 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.07% 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 336 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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