Polk County property record for 4333 Duck Down Ln, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 4,687 sqft · built 2024 |
| Lot Size | 2.18 acres (95,174 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $165,000 (Apr 2021) |
| Tax Bill | $2,742 (2024) |
| Deeds & Mortgages | May 2023 Line of Credit May 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-29-18-865151-000240 |
| Primary APN | 27-29-18-865151-000240 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 4,687 sqft Living Area |
| Gross Area | 7,068 sqft |
| 1st Floor Area | 4,687 sqft |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 95,174 sqft |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 1,239 sqft |
| Pool Type | Enclosed Pool |
| Porch | Florida Room |
| Street Address | 4333 DUCK DOWN LN |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3294 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MALLARD POINTE PHASE TWO PB 115 PGS 24 & 25 LOT 24 |
| Legal Range | 27E |
| Legal Township | 29S |
| Legal Section | 18 |
| Legal Subdivision | MALLARD POINTE PHASE TWO |
| Legal Phase | 2 |
| Legal Tract | 865151 |
| Legal Block | 1 |
| Legal Lot Number | 24 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 14401 |
4333 Duck Down Ln is owned and occupied by two individuals who bought it in April 2021.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4333 DUCK DOWN LN, WINTER HAVEN, FL 33884-3294 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 10, 2023 | Deed of Trust, Mortgage · Line of Credit CADENCE BANK NA |
| May 17, 2023 | Deed of Trust, Mortgage · Line of Credit CADENCE BANK NA |
| Jul 10, 2024 | Deed of Trust, Mortgage · VA Mortgage CADENCE BANK NA |
| Apr 19, 2021 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 19, 2021 · Amount on File |
| Deed Sale | Apr 19, 2021 · Amount on File |
| Deed Document Number | 202199039 |
| Deed Book / Page | 11674 / 1390 |
| Prior Transfer Date | Jun 26, 2006 |
| Prior Transfer Doc | 0000177438 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 4333 DUCK DOWN LN, WINTER HAVEN, FL 33884-3294 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 24 DUCK DOWN LANE, WINTER HAVEN, FL 33884 |
| Document Number | 0000109193 |
|---|---|
| Date | May 10, 2023 |
| Book Page | 12685/2177 |
| Instrument | 2023109193 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Address | MIRAMAR BEACH, FL 32550 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 11 Months |
| Due | Apr 27, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 4333 DUCK DOWN LN, WINTER HAVEN, FL 33884-3294 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 24 DUCK DOWN LANE, WINTER HAVEN, FL 33884 |
| Document Number | 0000114920 |
|---|---|
| Date | May 17, 2023 |
| Book Page | 12694/109 |
| Instrument | 2023114920 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Address | MIRAMAR BEACH, FL 32550 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 11 Months |
| Due | Apr 27, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 4333 DUCK DOWN LN, WINTER HAVEN, FL 33884-3294 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | CMR 469 BOX 2229 2229, 2229, APO XX 9227 |
| Document Number | 0000157103 |
|---|---|
| Date | Jul 10, 2024 |
| Book Page | 13182/352 |
| Instrument | 2024157103 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 19, 2021 |
| Property Address | 4333 DUCK DOWN LN, WINTER HAVEN, FL 33884-3294 |
| Document Number | 0000099039 |
| Book / Page | 11674 / 1390 |
| Map Reference | MB 115 PG 24 |
| Instrument Date | Apr 16, 2021 |
| Instrument | 2021099039 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $1,155.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 115 CAMPBELL DR, CYPRESS GARDENS, FL 33884-3262 |
| Name | Verified Name |
|---|---|
| Address | 503 MUSTANG TRL, HARKER HEIGHTS, TX 76548-2339 |
| Investor | Possibly a Property Investor |
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 | $851,143 (-2.87%) Land $150,000 Building $701,143 | $851,143 (-2.87%) Land $150,000 Building $701,143 | |
| 2025 | $876,266 Land $150,000 Building $726,266 | $876,266 Land $150,000 Building $726,266 | |
| 2024 | $2,742.00 (+6.98%) | ||
| 2023 | $2,563.00 (+12.26%) | $145,000 (+20.83%) Land $145,000 | $145,000 (+20.83%) Land $145,000 |
| 2022 | $2,283.00 | $120,000 Land $120,000 | $120,000 Land $120,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4333 Duck Down Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
| Flood Insurance Cost | Premium on File median of 35 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 35 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.
Wildfire risk around 4333 Duck Down Ln is low, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 88% 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.
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 406 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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