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448 Fish Hawk Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 448 Fish Hawk Dr, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,088 sqft · built 2006
Lot Size0.189 acres (8,250 sqft)
OwnerIndividual Name on File
Last Sale$365,000 (Aug 2022)
Tax Bill$4,193 (2025)
Deeds & MortgagesDec 2023 Line of Credit
Aug 2022 Sale
+ 3 more
Flood ZoneZone X (minimal risk)
APN26-29-24-690595-000450

Property Details

APN / Parcel Number

Primary APN26-29-24-690595-000450
Alternative APNs
  • 242926690595000450
  • 42926000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,088 sqft Living Area
Gross Area2,528 sqft
1st Floor Area2,088 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2015
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area8,250 sqft (0.189 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area440 sqft
PorchFinished/Open Porch
Porch Area10 sqft

Location & Zoning

Street Address448 FISH HAWK DR
CityWINTER HAVEN
StateFL
Zip33884-4172
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHART LAKE COVE PHASE II PB 136 PGS 37 & 38 LOT 45
Legal Range26E
Legal Township29S
Legal Section24
Legal SubdivisionHART LAKE COVE PHASE II
Legal PhaseII
Legal Tract690595
Legal Block2
Legal Lot Number45
JurisdictionPOLK FL
Township / Civil DivisionLAKE WALES
Census Block Group2
Census Block2005
Census Tract14401

Owner

448 Fish Hawk Dr is owned and occupied by an individual who bought it in August 2022.

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

Owner of RecordIndividual Name on File
Mailing Address448 FISH HAWK DR, WINTER HAVEN, FL 33884-4172
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

DateDocument
Dec 28, 2023Deed of Trust, Mortgage · Line of Credit
MIDFLORIDA CU
Aug 18, 2022Warranty Deed, Transfer
FIRST INTERNATIONAL TITLE
Feb 14, 2020Loan Modification, Mortgage · Conventional Mortgage
WELLS FARGO BK
Mar 5, 2019Warranty Deed, Transfer · Conventional Mortgage
WELLS FARGO BK
Aug 1, 2018Warranty Deed, Transfer · Conventional with PMI
STATE FARM BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 18, 2022 · Amount on File
Deed SaleAug 18, 2022 · Amount on File
Prior SaleMar 5, 2019 · Amount on File
Deed Document Number2022224817
Deed Book / Page12384 / 586
Prior Transfer DateJul 18, 2012
Prior Transfer Doc0000143668
Record UpdatedOct 29, 2026

December 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address448 FISH HAWK DR, WINTER HAVEN, FL 33884-4172
Transaction TypeMortgage
Record UpdatedJan 18, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address448 FISH HAWK DR, WINTER HAVEN, FL 33884-4172

Mortgage

Document Number0000301080
DateDec 28, 2023
Book Page12953/2287
Instrument2023301080
Lender
NameMIDFLORIDA CU
TypeCredit Union
AddressLAKELAND, FL 33802
Agreement
TypeLine of Credit
AmountAmount on Record
Term121 Months
DueJan 15, 2034

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateAug 18, 2022
Property Address448 FISH HAWK DR, WINTER HAVEN, FL 33884-4172
Document Number0000224817
Book / Page12384 / 586
Map ReferenceMB 136 PG 37&38
Instrument DateAug 10, 2022
Instrument2022224817
Transaction TypeTransfer
Record UpdatedAug 30, 2022
Title CompanyFIRST INTERNATIONAL TITLE

Transaction

AmountAmount on Record
Tax$2,555.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6039 CYPRESS GARDENS BLVD # BLVD552, 6039, WINTER HAVEN, FL 33884-4115

Transferred To (Grantee/Buyer)

NameVerified Name
Address448 FISH HAWK DR, WINTER HAVEN, FL 33884-4172

February 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPOLK FL
Property Address448 FISH HAWK DR, WINTER HAVEN, FL 33884-4172
Document Number0111560439
Instrument DateFeb 14, 2020
Transaction TypeMortgage
Record UpdatedMar 18, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address448 FISH HAWK DR WINTER HAVEN FL 338844172, WINTER HAVEN, FL 33884-4172

Mortgage

Document Number0111560439
DateFeb 27, 2020
Book Page011156/000439
Instrument45471
Lender
NameWELLS FARGO BK
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeConventional Mortgage
AmountAmount on Record

March 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMar 5, 2019
Property Address448 FISH HAWK DR, WINTER HAVEN, FL 33884-4172
Document Number0107690361
Book / Page010769 / 000361
Instrument DateMar 4, 2019
Instrument44571
Transaction TypeTransfer
Record UpdatedMar 18, 2020
Title CompanyREAL ESTATE TITLE SERVICES LLC, REAL ESTATE TITLE SVCS LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,365.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address448 FISH HAWK DR WINTER HAVEN FL 338844172, WINTER HAVEN, FL 33884-4172

Mortgage

Document Number107690362
DateMar 5, 2019
Book Page010769/000362
Instrument44572
Lender
NameWELLS FARGO BK
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMar 4, 2049

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateAug 1, 2018
Property Address448 FISH HAWK DR, WINTER HAVEN, FL 33884-4172
Document Number0105680235
Book / Page010568 / 000235
Instrument DateJul 27, 2018
Instrument164147
Transaction TypeTransfer
Record UpdatedAug 16, 2018
Title CompanyREAL ESTATE TITLE SERVICES LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,312.50
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address448 FISH HAWK DR WINTER HAVEN FL 338844172, WINTER HAVEN, FL 33884-4172

Mortgage

Document Number105680237
DateAug 1, 2018
Book Page010568/000237
Instrument164148
Lender
NameSTATE FARM BK
TypeBank
AddressEARTH CITY, MO 63045
Agreement
TypeConventional with PMI
AmountAmount on Record
Term360 Months
DueJul 31, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 448 Fish Hawk Dr was $4,193 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$248,260 (-7.26%) Land $52,000 Building $196,260$248,260 (-7.26%) Land $52,000 Building $196,260
2025$4,193.00 Homeowner's exemption$267,701 Land $52,000 Building $215,701$267,701 Land $52,000 Building $215,701
2023$4,984.00 (+299.36%)$263,910 (+143.49%) Land $50,000 Building $213,910$263,910 (+11.59%) Land $50,000 Building $213,910
2022$1,248.00 Homeowner's exemption$108,387$236,500 Land $42,000 Building $194,500

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.

Flood

FEMA maps place 448 Fish Hawk 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 29 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies29 in force

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 448 Fish Hawk Dr is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 46% of the US · lower than 83% of Florida
Wildfire Likelihood0.09% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 214 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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