484 McKenna Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 484 McKenna Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,360 sqft · built 2021
Lot Size	0.13 acres (5,654 sqft)
Owner	2 Individual Names on File
Last Sale	$327,400 (Sep 2021)
Tax Bill	$3,857 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522103-001850`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522103-001850`
Alternative APNs	`022826522103001850` `22826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,360 sqft Living Area
Gross Area	2,780 sqft
1st Floor Area	956 sqft
Upper Floors Area	1,404 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	5,654 sqft (0.13 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Unfinished Open Porch

Location & Zoning

Street Address	484 MCKENNA DR
City	WINTER HAVEN
State	FL
Zip	33881-9743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUCERNE PARK RESERVE PB 176 PGS 43-49 LOT 185
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE PARK RESERVE
Legal Block	2
Legal Lot Number	185
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2019
Census Tract	12804

Owner

Source: Polk County assessment roll, APN 26-28-02-522103-001850, as of June 23, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	484 MCKENNA DR, WINTER HAVEN, FL 33881-9743
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 21, 2021 · Amount on Record
Deed Sale	Sep 21, 2021 · Amount on Record
Deed Document Number	2021246383
Deed Book / Page	11902 / 1047
Record Updated	Sep 20, 2026

September 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 21, 2021
Property Address	484 MCKENNA DR, WINTER HAVEN, FL 33881-9743
Document Number	0000246383
Book / Page	11902 / 1047
Map Reference	MB 176 PG 43-49
Instrument Date	Sep 15, 2021
Instrument	2021246383
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 23, 2023
Title Company	CAREFREE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,291.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5337 MILLENIA LAKES BLVD STE 235, 235, ORLANDO, FL 32839-6302

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	484 MCKENNA DR, WINTER HAVEN, FL 33881-9743

Mortgage

Document Number	0119021050
Date	Sep 21, 2021
Instrument	11902/1050

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2051

Tax Assessment & Valuation

Source: Polk County assessment roll as of June 23, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,857.00 (-39.08%) Homeowner's exemption	$249,731 (+5.99%)	$263,143 (-5.84%) Land $50,000 Building $213,143
2023	$6,331.00 (+1.64%) Homeowner's exemption	$235,624 (+3%)	$279,452 (+22.16%) Land $48,000 Building $231,452
2022	$6,229.00 Homeowner's exemption	$228,761 Land $40,000 Building $188,761	$228,761 Land $40,000 Building $188,761

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), as of October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050128042, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 20 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	7 (2004–2023)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Apr 2023 · rainfall accumulation
Claims by Event	Hurricane Frances, Sep 2004 · 3 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 claims

Wildfire

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, 508 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL6531992, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WINTER HAVEN WATER DEPARTMENT serves 87,537 people
Water Source	Groundwater
Last State Inspection	Dec 2021
Lead	7 ppb (2023) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.