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437 McKenna Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 437 McKenna Dr, Winter Haven, FL 33881

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,978 sqft · built 2021
Lot Size0.126 acres (5,502 sqft)
OwnerIndividual Name on File
Last Sale$264,600 (Jul 2021)
Tax Bill$3,986 (2025)
Deeds & MortgagesJul 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-02-522103-002090

Property Details

APN / Parcel Number

Primary APN26-28-02-522103-002090
Alternative APNs
  • 022826522103002090
  • 22826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,978 sqft Living Area
Gross Area2,398 sqft
1st Floor Area1,978 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 Address437 MCKENNA DR
CityWINTER HAVEN
StateFL
Zip33881-9743
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLUCERNE PARK RESERVE PB 176 PGS 43-49 LOT 209
Legal Range26E
Legal Township28S
Legal Section02
Legal SubdivisionLUCERNE PARK RESERVE
Legal Block2
Legal Lot Number209
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2019
Census Tract12804

Owner

437 McKenna Dr is owned and occupied by an individual who bought it in July 2021.

Source: Polk County records, as of September 28, 2026

Owner of RecordIndividual Name on File
Mailing Address437 MCKENNA DR, WINTER HAVEN, FL 33881-9743
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 8, 2021 · Amount on File
Deed SaleJul 8, 2021 · Amount on File
Deed Document Number2021176281
Deed Book / Page11792 / 1553
Record UpdatedOct 29, 2026

July 2021: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionPOLK FL
Recording DateJul 8, 2021
Property Address437 MCKENNA DR, WINTER HAVEN, FL 33881-9743
Document Number0000176281
Book / Page11792 / 1553
Map ReferenceMB 176 PG 43-49
Instrument DateJun 29, 2021
Instrument2021176281
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 23, 2023
Title CompanyCAREFREE TITLE AGENCY INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,852.20
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
Address437 MCKENNA DR, WINTER HAVEN, FL 33881-9743

Mortgage

Document Number0117921556
DateJul 8, 2021
Instrument11792/1556
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 437 McKenna Dr was $3,986 with a homeowner's exemption.

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$237,545 (-7.44%) Land $50,000 Building $187,545$237,545 (-7.44%) Land $50,000 Building $187,545
2025$3,986.00 Homeowner's exemption$256,631 Land $50,000 Building $206,631$256,631 Land $50,000 Building $206,631
2023$7,114.00 (-5.81%) Homeowner's exemption$277,097 (+8.42%) Land $48,000 Building $229,097$277,097 (+8.42%) Land $48,000 Building $229,097
2022$7,553.00$255,571 Land $40,000 Building $215,571$255,571 Land $40,000 Building $215,571

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 437 McKenna Dr in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2004.

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 File
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

Wildfire risk around 437 McKenna Dr is moderate, ranking above 51% of the US, with a 0.1% annual chance of 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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