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433 McKenna Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 433 McKenna Dr, Winter Haven, FL 33881

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,823 sqft · built 2021
Lot Size0.126 acres (5,502 sqft)
Owner2 Individual Names on Record
Last Sale$280,600 (Jul 2021)
Tax Bill$4,573 (2025)
Deeds & MortgagesJul 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-02-522103-002080

Property Details

APN / Parcel Number

Primary APN26-28-02-522103-002080
Alternative APNs
  • 022826522103002080
  • 22826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,823 sqft Living Area
Gross Area2,243 sqft
1st Floor Area1,823 sqft

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area5,502 sqft (0.126 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area420 sqft
PorchUnfinished Open Porch

Location & Zoning

Street Address433 MCKENNA DR
CityWINTER HAVEN
StateFL
Zip33881-9743
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLUCERNE PARK RESERVE PB 176 PGS 43-49 LOT 208
Legal Range26E
Legal Township28S
Legal Section02
Legal SubdivisionLUCERNE PARK RESERVE
Legal Block2
Legal Lot Number208
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2019
Census Tract12804

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 Address1664 THIRTEEN BRIDGES RD, ENFIELD, NC 27823-9006
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 27, 2021 · Amount on Record
Deed SaleJul 27, 2021 · Amount on Record
Deed Document Number2021194370
Deed Book / Page11820 / 560
Record UpdatedOct 29, 2026

July 2021: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionPOLK FL
Recording DateJul 27, 2021
Property Address433 MCKENNA DR, WINTER HAVEN, FL 33881-9743
Document Number0000194370
Book / Page11820 / 560
Map ReferenceMB 176 PG 43-49
Instrument DateJul 21, 2021
Instrument2021194370
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 23, 2023
Title CompanyCAREFREE TITLE AGENCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,964.20
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5337 MILLENIA LAKES BLVD STE 235, 235, ORLANDO, FL 32839-6302

Transferred To (Grantee/Buyer)

NameVerified Name
Address433 MCKENNA DR, WINTER HAVEN, FL 33881-9743

Mortgage

Document Number0011820563
DateJul 27, 2021
Instrument11820/563
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 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$226,680 (-7.33%) Land $50,000 Building $176,680$226,680 (-7.33%) Land $50,000 Building $176,680
2025$4,573.00 (-40.39%)$244,615 (-7.24%) Land $50,000 Building $194,615$244,615 (-7.24%) Land $50,000 Building $194,615
2023$7,671.00 (+5%)$263,716 (+8.71%) Land $48,000 Building $215,716$263,716 (+8.71%) Land $48,000 Building $215,716
2022$7,306.00$242,579 Land $40,000 Building $202,579$242,579 Land $40,000 Building $202,579

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 20 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies20 in force
Nearby Flood Claims7 (2004–2023)
Claims Outside the SFHA1 of 7
Most Recent ClaimApr 2023 · rainfall accumulation
Claims by Event
  • Hurricane Frances, Sep 2004 · 3 claims
  • Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 claims

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 51% of the US · lower than 78% 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 508 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 1,000

May also be available: Verizon.

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