Polk County property record for 461 Fish Hawk Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,920 sqft · built 2006 |
| Lot Size | 0.177 acres (7,701 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $410,000 (Aug 2026) |
| Tax Bill | $6,725 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Apr 2023 Sale & Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-24-690595-000580 |
| Primary APN | 26-29-24-690595-000580 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,920 sqft Living Area |
| Gross Area | 4,536 sqft |
| 1st Floor Area | 1,712 sqft |
| Upper Floors Area | 2,208 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 7,701 sqft (0.177 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 616 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 48 sqft |
| Street Address | 461 FISH HAWK DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-4173 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HART LAKE COVE PHASE II PB 136 PGS 37 & 38 LOT 58 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 24 |
| Legal Subdivision | HART LAKE COVE PHASE II |
| Legal Phase | II |
| Legal Tract | 690595 |
| Legal Block | 2 |
| Legal Lot Number | 58 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 14401 |
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 461 FISH HAWK DR, WINTER HAVEN, FL 33884-4173 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Aug 20, 2026 | Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC |
| Apr 12, 2023 | Warranty Deed, Transfer · Line of Credit SMITH AND SMITH LLC |
| Apr 13, 2019 | Deed of Trust, Mortgage · Line of Credit FOUNDATION CAP RSRCS |
| Dec 6, 2017 | Deed of Trust, Mortgage FOUNDATION CAP RSRCS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 20, 2026 · Amount on Record |
| Deed Sale | Aug 20, 2026 · Amount on Record |
| Prior Sale | Apr 12, 2023 · Amount on Record |
| Deed Document Number | 2026203117 |
| Deed Book / Page | 14124 / 702 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 20, 2026 |
| Property Address | 461 FISH HAWK DR, WINTER HAVEN, FL 33884-4173 |
| Document Number | 0000203117 |
| Book / Page | 14124 / 702 |
| Instrument Date | Aug 19, 2026 |
| Instrument | 2026203117 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2026 |
| Title Company | OAK HARBOR TITLE SERVICES LLC, OAK HARBOR TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $289,870.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 461 FISH HAWK DR, WINTER HAVEN, FL 33884-4173 |
| Document Number | 0000203118, |
|---|---|
| Date | Aug 20, 2026 |
| Instrument | 2026203118 |
| Name | CHANGE LENDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 12, 2023 |
| Property Address | 461 FISH HAWK DR, WINTER HAVEN, FL 33884-4173 |
| Document Number | 0000084124 |
| Book / Page | 12649 / 1358 |
| Map Reference | MB 136 PG 37&38 |
| Instrument Date | Apr 6, 2023 |
| Instrument | 2023084124 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,695.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 297 WINTER RIDGE BLVD, WINTER HAVEN, FL 33881-5819 |
| Name | Verified Name |
|---|---|
| Address | 7501 E TREASURE DR, NORTH BAY VILLAGE, FL 33141-4382 |
| Document Number | 0126491360 |
|---|---|
| Date | Apr 12, 2023 |
| Instrument | 12649/1360 |
| Name | SMITH AND SMITH LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Apr 6, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 461 FISH HAWK DR, WINTER HAVEN, FL 33884-4173 |
| Document Number | 0108201384 |
| Instrument Date | Apr 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 9, 2019 |
| Title Company | FLAMINGO TITLE SERVICES INC, FLAMINGO TITLE SVCS INC |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | PO BOX 7484 WINTER HAVEN FL 338837484, WINTER HAVEN, FL 33883-7484 |
| Document Number | 0108201384 |
|---|---|
| Date | Apr 25, 2019 |
| Book Page | 010820/001384 |
| Instrument | 84036 |
| Name | FOUNDATION CAP RSRCS |
|---|---|
| Type | Funding / Finance Company |
| Address | SPRINGFIELD, MO 65807 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Apr 24, 2044 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 461 FISH HAWK DR, WINTER HAVEN, FL 33884-4173 |
| Document Number | 0103391402 |
| Book / Page | 010339 / 001402 |
| Instrument Date | Dec 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 461 FISH HAWK DR WINTER HAVEN FL 338844173, WINTER HAVEN, FL 33884-4173 |
| Document Number | 0103391402 |
|---|---|
| Date | Dec 13, 2017 |
| Book Page | 010339/001402 |
| Instrument | 239239 |
| Name | FOUNDATION CAP RSRCS |
|---|---|
| Type | Funding / Finance Company |
| Address | SPRINGFIELD, MO 65807 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Dec 12, 2037 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $353,569 (-1.7%) Land $52,000 Building $301,569 | $353,569 (-1.7%) Land $52,000 Building $301,569 | |
| 2025 | $6,725.00 (+2.27%) | $359,687 (+2.82%) Land $52,000 Building $307,687 | $359,687 (+2.82%) Land $52,000 Building $307,687 |
| 2024 | $6,576.00 (+19.39%) | ||
| 2023 | $5,508.00 (+10.4%) | $349,812 (+13.93%) Land $50,000 Building $299,812 | $349,812 (+13.93%) Land $50,000 Building $299,812 |
| 2022 | $4,989.00 | $307,037 Land $42,000 Building $265,037 | $307,037 Land $42,000 Building $265,037 |
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 |
| Flood Insurance Cost | Premium on Record median of 29 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 29 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · above 43% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 214 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 |
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