Polk County property record for 439 Lanier Ln, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,710 sqft · built 1972 |
| Lot Size | 0.211 acres (9,200 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $175,000 (Oct 2018) |
| Tax Bill | $1,258 (2025) |
| Deeds & Mortgages | Jun 2022 Reverse Mortgage Mar 2021 Reverse Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-35-662500-000739 |
| Primary APN | 26-28-35-662500-000739 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,710 sqft Living Area |
| Gross Area | 2,256 sqft |
| 1st Floor Area | 1,710 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 9,200 sqft (0.211 acres) |
| Lot Dimensions | 115 ft deep x 80 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 546 sqft |
| Pool House | Pool House |
|---|---|
| Porch | Unfinished Open Porch |
| Porch Area | 80 sqft |
| Patio Area | 200 sqft |
| Street Address | 439 LANIER LN |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | FLA HIGHLANDS CO SUB PB 3 PG 27 LOT 7 DESC AS W 80 FT OF E 195 FT OF N 115 FT OF S 1220 FT OF NE1/4 OF SE1/4 BEING LOT 104 UNRE GARDEN GROVE PINES |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 35 |
| Legal Subdivision | FLORIDA HIGHLAND CO SUBDIVISION |
| Legal Tract | 7 |
| Legal Block | 3 |
| Legal Lot Number | 7 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 14001 |
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 439 LANIER LN, WINTER HAVEN, FL 33884-2310 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 3, 2022 | Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC |
| Mar 4, 2021 | Deed of Trust, Mortgage · Reverse Mortgage COMMONWEALTH OF PUERTO RICO |
| Oct 4, 2018 | Warranty Deed, Transfer · FHA Mortgage REVERSE MTG FNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 4, 2018 · Amount on Record |
| Deed Sale | Oct 4, 2018 · Amount on Record |
| Prior Sale | Apr 10, 2007 · Amount on Record |
| Deed Document Number | 2018209994 |
| Deed Book / Page | 10632 / 221 |
| Transfer Doc | 0000054602 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 439 LANIER LN, WINTER HAVEN, FL 33884-2310 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 439 LANIER LANE, HAINES CITY, FL 33844 |
| Document Number | 0000152271 |
|---|---|
| Date | Jun 3, 2022 |
| Book Page | 12282/454 |
| Instrument | 2022152271 |
| Name | REVERSE MORTGAGE FUNDING LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | BLOOMFIELD, NJ 07003 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 914 Months |
| Due | Aug 24, 2098 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 439 LANIER LN, WINTER HAVEN, FL 33884-2310 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 439 LANIER LN, WINTER HAVEN, FL 33884-2310 |
| Document Number | 0000054603 |
|---|---|
| Date | Mar 4, 2021 |
| Book Page | 11605/916 |
| Instrument | 2021054603 |
| Name | COMMONWEALTH OF PUERTO RICO |
|---|---|
| Type | Non-Lending Institution |
| Address | ORLANDO, FL 32819 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 929 Months |
| Due | Aug 24, 2098 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 4, 2018 |
| Property Address | 439 LANIER LN, WINTER HAVEN, FL 33884-2310 |
| Document Number | 0106320221 |
| Book / Page | 010632 / 000221 |
| Instrument Date | Sep 28, 2018 |
| Instrument | 209994 |
| Transaction Type | Transfer |
| Record Updated | Oct 19, 2018 |
| Title Company | EXECUTIVE TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,225.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 439 LANIER LN WINTER HAVEN FL 338842310, WINTER HAVEN, FL 33884-2310 |
| Document Number | 106320222 |
|---|---|
| Date | Oct 4, 2018 |
| Book Page | 010632/000222 |
| Instrument | 209995 |
| Name | REVERSE MTG FNDG |
|---|---|
| Type | Mortgage Company |
| Address | BLOOMFIELD, NJ 07003 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 960 Months |
| Due | Oct 3, 2098 |
| Rate Type | Fixed Rate |
|---|
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 | $149,345 (+2.7%) | $226,715 (+0.46%) Land $42,000 Building $184,715 | |
| 2025 | $1,258.00 (+57.84%) Homeowner's exemption Disabled Person's exemption | $145,419 (+5.99%) | $225,673 (+4.68%) Land $42,000 Building $183,673 |
| 2023 | $797.00 (-6.46%) Homeowner's exemption | $137,205 (+3%) | $215,579 (+1.74%) Land $40,000 Building $175,579 |
| 2022 | $852.00 Homeowner's exemption | $133,209 | $211,883 Land $33,000 Building $178,883 |
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (1998) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 1998 · Severe Storms, High Winds, Tornadoes, And Flooding |
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 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 | 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 500 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 |
| AT&T Fixed Wireless | 100 / 20 |
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