Polk County property record for 441 Windermere Dr, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,744 sqft · built 1975 |
| Lot Size | 0.539 acres (23,488 sqft) |
| Owner | Individual Name on File |
| Last Sale | $310,000 (Aug 2024) |
| Tax Bill | $3,315 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-27-24-008300-006060 |
| Primary APN | 23-27-24-008300-006060 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,744 sqft Living Area |
| Gross Area | 2,440 sqft |
| 1st Floor Area | 1,744 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 23,488 sqft (0.539 acres) |
| Lot Dimensions | 222 ft deep x 106 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 696 sqft |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 1,040 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 441 WINDERMERE DR |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33809-3360 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LAKE GIBSON ESTATES PB 44 PG 25 BLK F LOT 6 |
| Legal Range | 23E |
| Legal Township | 27S |
| Legal Section | 24 |
| Legal Subdivision | LAKE GIBSON ESTATES |
| Legal Tract | 8300 |
| Legal Block | F |
| Legal Lot Number | 6 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 12209 |
441 Windermere Dr is owned by an individual who bought it in August 2024.
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 | Individual Name on File |
|---|---|
| Mailing Address | 3929 WINCHESTER RD, LAKELAND, FL 33811-1352 |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 14, 2024 · Amount on File |
| Deed Sale | Aug 14, 2024 · Amount on File |
| Prior Sale | Jul 19, 1993 · Amount on File |
| Deed Document Number | 2024187808 |
| Deed Book / Page | 13228 / 1304 |
| Prior Transfer Date | Apr 26, 2010 |
| Prior Transfer Doc | 0000069088 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 441 Windermere Dr was $3,315.
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 | $239,056 (-6.79%) Land $50,000 Building $189,056 | $239,056 (-6.79%) Land $50,000 Building $189,056 | |
| 2025 | $3,315.00 | $256,466 Land $50,000 Building $206,466 | $256,466 Land $50,000 Building $206,466 |
| 2023 | $1,350.00 (+4.65%) Homeowner's exemption | $106,432 (+3%) | $348,629 (+20.58%) Land $48,000 Building $300,629 |
| 2022 | $1,290.00 Homeowner's exemption | $103,332 | $289,128 Land $40,000 Building $249,128 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 441 Windermere Dr 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 21 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 12 (2017–2024) |
| Claims Outside the SFHA | 4 of 12 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 441 Windermere Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% 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: FCC Broadband Data Collection, based on 202 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 |
| Verizon Fixed Wireless | 300 / 20 |
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