Polk County property record for 435 Lanham Dr, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,843 sqft · built 2021 |
| Lot Size | 0.229 acres (9,988 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $305,000 (Jan 2026) |
| Tax Bill | $4,152 (2025) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-08-529016-000960 |
| Primary APN | 26-28-08-529016-000960 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,843 sqft Living Area |
| Gross Area | 2,263 sqft |
| 1st Floor Area | 1,843 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 9,988 sqft (0.229 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 65 sqft |
| Street Address | 435 LANHAM DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33881-9530 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SANCTUARY BY THE LAKE PHASE ONE PB 181 PGS 1-5 LOT 96 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 08 |
| Legal Subdivision | SANCTUARY BY THE LAKE PHASE ONE |
| Legal Phase | 1 |
| Legal Block | 1 |
| Legal Lot Number | 96 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 13601 |
Source: Polk County records · APN 26-28-08-529016-000960
Assessment roll updated June 23, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 435 LANHAM DR, WINTER HAVEN, FL 33881-9530 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jan 07, 2026 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Mar 24, 2021 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage HOME SOLUTION LENDERS INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 07, 2026 · Amount on Record |
| Deed Sale | Jan 07, 2026 · Amount on Record |
| Prior Sale | Mar 24, 2021 · Amount on Record |
| Deed Document Number | 20263901 |
| Deed Book / Page | 13836 / 545 |
| Prior Transfer Date | Jul 30, 2025 |
| Prior Transfer Doc | 0000194894 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 07, 2026 |
| Property Address | 435 LANHAM DR, WINTER HAVEN, FL 33881-9530 |
| Document Number | 0000003901 |
| Book / Page | 13836 / 545 |
| Map Reference | MB 181 PG 1-5 |
| Instrument Date | Dec 19, 2025 |
| Instrument | 2026003901 |
| Transaction Type | Transfer |
| Record Updated | Jan 22, 2026 |
| Title Company | HILLSBOROUGH TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,135.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2544 GORDON ST, MULBERRY, FL 33860-9710 |
| Name | Verified Name |
|---|---|
| Address | 435 LANHAM DR, WINTER HAVEN, FL 33881-9530 |
| Document Number | 0013836547 |
|---|---|
| Date | Jan 07, 2026 |
| Instrument | 13836/547 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 24, 2021 |
| Property Address | 435 LANHAM DR, WINTER HAVEN, FL 33881-9530 |
| Document Number | 0000074723 |
| Book / Page | 11636 / 874 |
| Map Reference | MB 181 PG 1-5 |
| Instrument Date | Mar 19, 2021 |
| Instrument | 2021074723 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 23, 2023 |
| Title Company | INTERSTATE TITLE, ESTATE TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,011.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480 |
| Name | Verified Name |
|---|---|
| Address | 435 LANHAM DR, WINTER HAVEN, FL 33881-9530 |
| Document Number | 0011636875 |
|---|---|
| Date | Mar 24, 2021 |
| Instrument | 11636/875 |
| Name | HOME SOLUTION LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,152.00 (+5.65%) Homeowner's exemption | $261,865 (+5.99%) | $269,301 (-5.45%) Land $52,000 Building $217,301 |
| 2023 | $3,930.00 (+2.66%) Homeowner's exemption | $247,073 (+3%) | $284,835 (+15.36%) Land $50,000 Building $234,835 |
| 2022 | $3,828.00 Homeowner's exemption | $239,877 | $246,920 Land $50,000 Building $196,920 |
Source: FEMA National Flood Hazard Layer, Polk County (12105C), as of October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050136011, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 10 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 1 (2022) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Wildfire Risk | Moderate above 54% of the US · lower than 74% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Frontier.
Based on FCC filings for 253 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL6531992, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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