505 Cody Caleb Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 505 Cody Caleb Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,642 sqft · built 2005
Lot Size	0.219 acres (9,540 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (Apr 2017)
Tax Bill	$4,192 (2025)
Deeds & Mortgages	Mar 2026 Mortgage May 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-25-590013-000410`

Property Details

APN / Parcel Number

Primary APN	`26-28-25-590013-000410`
Alternative APNs	`252826590013000410` `52826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,642 sqft Living Area
Gross Area	2,073 sqft
1st Floor Area	1,642 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	9,540 sqft (0.219 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	431 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	140 sqft

Location & Zoning

Street Address	505 CODY CALEB DR
City	WINTER HAVEN
State	FL
Zip	33884-2253
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SAVANNAH ESTATES PLAT BOOK 129 PGS 34 & 35 LOT 41
Legal Range	26E
Legal Township	28S
Legal Section	25
Legal Subdivision	SAVANNAH ESTATES
Legal Tract	590013
Legal Block	1
Legal Lot Number	41
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1008
Census Tract	14001

Owner

505 Cody Caleb Dr is owned and occupied by two individuals who bought it in April 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	505 CODY CALEB DR, WINTER HAVEN, FL 33884-2253
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Mar 5, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 18, 2023	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 30, 2018	Loan Modification, Mortgage MOVEMENT MTG
Apr 13, 2017	Warranty Deed, Transfer · VA Mortgage MOVEMENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2017 · Amount on File
Deed Sale	Apr 12, 2017 · Amount on File
Prior Sale	Sep 28, 2005 · Amount on File
Deed Document Number	201770201
Deed Book / Page	10117 / 1563
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	505 CODY CALEB DR, WINTER HAVEN, FL 33884-2253
Transaction Type	Mortgage
Record Updated	Mar 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 CODY CALEB DR, WINTER HAVEN, FL 33884-2253

Mortgage

Document Number	0000053993
Date	Mar 5, 2026
Book Page	13906/1368
Instrument	2026053993

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	505 CODY CALEB DR, WINTER HAVEN, FL 33884-2253
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 CODY CALEB DR, WINTER HAVEN, FL 33884-2253

Mortgage

Document Number	0000116739
Date	May 18, 2023
Book Page	12696/1407
Instrument	2023116739

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	505 CODY CALEB DR, WINTER HAVEN, FL 33884-2253
Document Number	0106771202
Instrument Date	Aug 30, 2018
Transaction Type	Mortgage
Record Updated	Dec 11, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	505 CODY CALEB DR WINTER HAVEN FL 338842253, WINTER HAVEN, FL 33884-2253

Mortgage

Document Number	0106771202
Date	Nov 21, 2018
Book Page	010677/001202
Instrument	244005

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	LAKE ZURICH, IL 60047

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 20, 2048

Interest

Rate Type	Fixed Rate
Rate	5%

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 13, 2017
Property Address	505 CODY CALEB DR, WINTER HAVEN, FL 33884-2253
Document Number	0101171563
Book / Page	010117 / 001563
Instrument Date	Mar 24, 2017
Instrument	70201
Transaction Type	Transfer
Record Updated	Mar 14, 2018
Title Company	HOME SOLUTION TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	192 FISH HAWK DR WINTER HAVEN FL 338844167, WINTER HAVEN, FL 33884-4167

Mortgage

Document Number	101171565
Date	Apr 13, 2017
Book Page	010117/001565
Instrument	70202

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 12, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 505 Cody Caleb Dr was $4,192, up 5.2% from the year before.

Source: Polk County assessment roll, as of September 28, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$221,263 (-1.33%) Land $42,000 Building $179,263	$221,263 (-1.33%) Land $42,000 Building $179,263
2025	$4,192.00 (+5.25%)	$224,248 Land $42,000 Building $182,248	$224,248 Land $42,000 Building $182,248
2024	$3,983.00 (+6.44%)
2023	$3,742.00 (+8.59%)	$227,450 (+8.44%) Land $40,000 Building $187,450	$227,450 (+8.44%) Land $40,000 Building $187,450
2022	$3,446.00	$209,744 Land $34,000 Building $175,744	$209,744 Land $34,000 Building $175,744

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

Flood

FEMA maps place 505 Cody Caleb Dr in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1979.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 43 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	134 units insured incl. 91 condo units
Nearby Flood Claims	22 (1979–2022)
Claims Outside the SFHA	4 of 22
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 11 claims

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 505 Cody Caleb Dr is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% 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.

Drinking Water

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

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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