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

Polk County property record for 522 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	0.194 acres (8,451 sqft)
Owner	Company Name on File
Last Sale	$144,000 (May 2021)
Tax Bill	$4,090 (2025)
Deeds & Mortgages	May 2021 Sale Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-25-590013-000110`

Property Details

APN / Parcel Number

Primary APN	`26-28-25-590013-000110`
Alternative APNs	`252826590013000110` `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	8,451 sqft (0.194 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	431 sqft
Porch	Unfinished Open Porch
Porch Area	140 sqft

Location & Zoning

Street Address	522 CODY CALEB DR
City	WINTER HAVEN
State	FL
Zip	33884-2206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SAVANNAH ESTATES PLAT BOOK 129 PGS 34 & 35 LOT 11
Legal Range	26E
Legal Township	28S
Legal Section	25
Legal Subdivision	SAVANNAH ESTATES
Legal Tract	590013
Legal Block	1
Legal Lot Number	11
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1000
Census Tract	14001

Owner

522 Cody Caleb Dr is owned by a company that bought it in May 2021.

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

Owner of Record	Company Name on File
Mailing Address	1917 MUELLER PARK RD, BOUNTIFUL, UT 84010-1108
Owner Type	Company

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
May 27, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 14, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage STEARNS LENDING LLC
Mar 21, 2017	Warranty Deed, Transfer ATTORNEY ONLY
Mar 9, 2017	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICAN FORK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2021 · Amount on File
Deed Sale	May 27, 2021 · Amount on File
Prior Sale	Mar 21, 2017 · Amount on File
Deed Document Number	2021138922
Deed Book / Page	11735 / 217
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 27, 2021
Property Address	522 CODY CALEB DR, WINTER HAVEN, FL 33884-2206
Document Number	0000138922
Book / Page	11735 / 217
Map Reference	MB 129 PG 34&35
Instrument Date	May 12, 2021
Instrument	2021138922
Transaction Type	Transfer
Record Updated	Jun 11, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$1,008.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1917 MUELLER PARK RD, 1917, BOUNTIFUL, UT 84010-1108

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1917 MUELLER PARK RD, BOUNTIFUL, UT 84010-1108

April 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 14, 2021
Property Address	522 CODY CALEB DR, WINTER HAVEN, FL 33884-2206
Document Number	0000094195
Book / Page	11666 / 2194
Map Reference	MB 129 PG 34&35
Instrument Date	Mar 22, 2021
Instrument	2021094195
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 11, 2021
Title Company	HAVEN TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1917 MUELLER PARK RD, 1917, BOUNTIFUL, UT 84010-1108

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1917 MUELLER PARK RD, BOUNTIFUL, UT 84010-1108

Mortgage

Document Number	0000094198
Date	Apr 14, 2021
Book Page	11666/2199
Instrument	2021094198

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 21, 2017
Property Address	522 CODY CALEB DR, WINTER HAVEN, FL 33884-2206
Document Number	0100970259
Book / Page	010097 / 000259
Instrument Date	Mar 16, 2017
Instrument	54368
Transaction Type	Transfer
Record Updated	Jun 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,011.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1917 MUELLER PARK RD BOUNTIFUL UT 840101108, BOUNTIFUL, UT 84010-1108

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 9, 2017
Property Address	522 CODY CALEB DR, WINTER HAVEN, FL 33884-2206
Document Number	0100870091
Book / Page	010087 / 000091
Instrument Date	Mar 3, 2017
Instrument	46486
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,012.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1917 MUELLER PARK RD BOUNTIFUL UT 840101108, BOUNTIFUL, UT 84010-1108

Mortgage

Document Number	100870093
Date	Mar 9, 2017
Book Page	010087/000093
Instrument	46487

Lender

Name	BANK OF AMERICAN FORK
Type	Bank
Address	6 W MAIN ST, AMERICAN FORK, UT 84003-2367

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 8, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 522 Cody Caleb Dr was $4,090, down 3.8% 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		$215,798 (-1.36%) Land $42,000 Building $173,798	$215,798 (-1.36%) Land $42,000 Building $173,798
2025	$4,090.00 (-3.81%)	$218,784 Land $42,000 Building $176,784	$218,784 Land $42,000 Building $176,784
2024	$4,252.00 (+1.41%)
2023	$4,193.00 (+7.05%)	$222,032 (+7.85%) Land $40,000 Building $182,032	$222,032 (+7.85%) Land $40,000 Building $182,032
2022	$3,917.00	$205,879 Land $34,000 Building $171,879	$205,879 Land $34,000 Building $171,879

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

Flood

FEMA maps place 522 Cody Caleb 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 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 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 522 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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