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511 Lk Smart Blvd, Winter Haven, FL 33881 Property Records

Polk County property record for 511 Lk Smart Blvd, Winter Haven, FL 33881

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,928 sqft · built 2020
Lot Size0.138 acres (5,998 sqft)
OwnerIndividual Name on Record
Last Sale$246,097 (Jan 2021)
Tax Bill$4,160 (2025)
Deeds & MortgagesJan 2023 Mortgage
Jan 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-09-530006-001230

Property Details

APN / Parcel Number

Primary APN26-28-09-530006-001230
Alternative APNs
  • 092826530006001230
  • 92826000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,928 sqft Living Area
Gross Area2,369 sqft
1st Floor Area1,928 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypePier/Post & Beam
Roof TypeHip
Roof MaterialOther
Lot Area5,998 sqft (0.138 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area441 sqft
PorchFinished/Open Porch
Porch Area245 sqft

Location & Zoning

Street Address511 LAKE SMART BLVD
CityWINTER HAVEN
StateFL
Zip33881-2111
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKE SMART POINTE PB 172 PGS 9-12 LOT 123
Legal Range26E
Legal Township28S
Legal Section09
Legal SubdivisionLAKE SMART POINTE
Legal Block1
Legal Lot Number123
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group1
Census Block1000
Census Tract13602

Owner

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 RecordIndividual Name on Record
Mailing Address511 LAKE SMART BLVD, WINTER HAVEN, FL 33881-2111
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 13, 2023Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Jan 26, 2021Grant Deed, Subdivision Related Transfer · FHA Mortgage
AMERICAN BANCSHARES MTG

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 26, 2021 · Amount on Record
Deed SaleJan 26, 2021 · Amount on Record
Deed Document Number202119363
Deed Book / Page11551 / 1543
Record UpdatedOct 29, 2026

January 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address511 LAKE SMART BLVD, WINTER HAVEN, FL 33881-2111
Transaction TypeMortgage
Record UpdatedJan 30, 2023
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address511 LAKE SMART BLVD, WINTER HAVEN, FL 33881-2111

Mortgage

Document Number0000010043
DateJan 13, 2023
Book Page12550/1479
Instrument2023010043
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term337 Months
DueFeb 1, 2051

January 2021: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionPOLK FL
Recording DateJan 26, 2021
Property Address511 LAKE SMART BLVD, WINTER HAVEN, FL 33881-2111
Document Number0115511543
Book / Page011551 / 001543
Instrument DateJan 21, 2021
Instrument19363
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 10, 2021
Title CompanyAMERICAN HOME TITLE AND ESCROW COMPANY, AMERICAN HM TITLE & ESCROW CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,723.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address511 LAKE SMART BLVD WINTER HAVEN FL 338812111, WINTER HAVEN, FL 33881-2111

Mortgage

Document Number115511544
DateJan 26, 2021
Book Page011551/001544
Instrument19364
Lender
NameAMERICAN BANCSHARES MTG
TypeBank
AddressMIAMI LAKES, FL 33016
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 25, 2051

Tax Assessment & Valuation

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$245,510 (-6.4%) Land $58,000 Building $187,510$245,510 (-6.4%) Land $58,000 Building $187,510
2025$4,160.00 (-2.62%) Homeowner's exemption$262,292 (-0.97%) Land $58,000 Building $204,292$262,292 (-12.39%) Land $58,000 Building $204,292
2023$4,272.00 (+2.59%) Homeowner's exemption$264,861 (+3%)$299,399 (+16.43%) Land $56,000 Building $243,399
2022$4,164.00 Homeowner's exemption$257,147 Land $46,000 Building $211,147$257,147 Land $46,000 Building $211,147

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

Flood

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
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies2 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

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

Wildfire RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.09% annual chance
ExposureDirect
burnable vegetation

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

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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