Polk County property record for 434 Archaic Dr, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,971 sqft · built 1999 |
| Lot Size | 0.248 acres (10,816 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $10,000 (Mar 2008) |
| Tax Bill | $1,402 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Jul 2019 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-29-02-356720-000040 |
| Primary APN | 25-29-02-356720-000040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,971 sqft Living Area |
| Gross Area | 2,412 sqft |
| 1st Floor Area | 1,971 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 10,816 sqft (0.248 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 216 sqft |
| Street Address | 434 ARCHAIC DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-1674 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE VILLAGE @ SPIRIT LAKE PHASE ONE PB 106 PGS 4 & 5 LYING IN A PORTION OF SECTIONS 1 & 2 T29 R25 ...LOT 4 |
| Legal Range | 25E |
| Legal Township | 29S |
| Legal Section | 02 |
| Legal Subdivision | VILLAGE @ SPIRIT LAKE PHASE ONE |
| Legal Phase | 1 |
| Legal Tract | 356720 |
| Legal Block | 3 |
| Legal Lot Number | 4 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 14701 |
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 | 434 ARCHAIC DR, WINTER HAVEN, FL 33880-1674 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 23, 2020 | Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC |
| Jul 15, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Apr 11, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Aug 10, 2018 | Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 13, 2008 · Amount on Record |
| Deed Sale | Mar 13, 2008 · Amount on Record |
| Prior Sale | Jun 23, 1998 · Amount on Record |
| Deed Document Number | 200843247 |
| Deed Book / Page | 7576 / 1767 |
| Last Transfer Date | Jul 15, 2019 |
| Transfer Doc | 0000146750 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 434 ARCHAIC DR, WINTER HAVEN, FL 33880-1674 |
| Document Number | 0112211402 |
| Instrument Date | Apr 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 434 ARCHAIC DR WINTER HAVEN FL 338801674, WINTER HAVEN, FL 33880-1674 |
| Document Number | 0112211402 |
|---|---|
| Date | Apr 30, 2020 |
| Book Page | 011221/001402 |
| Instrument | 88879 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 29, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 15, 2019 |
| Property Address | 434 ARCHAIC DR, WINTER HAVEN, FL 33880-1674 |
| Document Number | 0109061860 |
| Book / Page | 010906 / 001860 |
| Instrument Date | Jul 15, 2019 |
| Instrument | 146750 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 434 ARCHAIC DR WINTER HAVEN FL 338801674, WINTER HAVEN, FL 33880-1674 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 11, 2019 |
| Property Address | 434 ARCHAIC DR, WINTER HAVEN, FL 33880-1674 |
| Document Number | 0108070837 |
| Book / Page | 010807 / 000837 |
| Instrument Date | Apr 11, 2019 |
| Instrument | 73710 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 434 ARCHAIC DR WINTER HAVEN FL 338801674, WINTER HAVEN, FL 33880-1674 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 434 ARCHAIC DR, WINTER HAVEN, FL 33880-1674 |
| Document Number | 0105881731 |
| Instrument Date | Aug 10, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 434 ARCHAIC DR WINTER HAVEN FL 338801674, WINTER HAVEN, FL 33880-1674 |
| Document Number | 0105881731 |
|---|---|
| Date | Aug 22, 2018 |
| Book Page | 010588/001731 |
| Instrument | 178835 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 21, 2048 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $152,709 (+2.7%) | $248,644 (-1.94%) Land $50,000 Building $198,644 | |
| 2025 | $1,402.00 (-36.1%) Homeowner's exemption | $148,694 (+5.99%) | $253,551 (+1.26%) Land $50,000 Building $203,551 |
| 2024 | $2,194.00 (+6.82%) | ||
| 2023 | $2,054.00 (+6.81%) Homeowner's exemption | $140,294 (+3%) | $250,395 (+12.84%) Land $48,000 Building $202,395 |
| 2022 | $1,923.00 Homeowner's exemption | $136,208 | $221,907 Land $40,000 Building $181,907 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 39 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 2 (2022) |
| Most Recent Claim | Oct 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
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 | CYPRESS ACRES MOBILE HOME PARK private · serves 78 people · EPA ID FL6530677 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2025 |
| Also Mapped Here | CENTRAL |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 7 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 248 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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