Polk County property record for 524 Cody Caleb Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,773 sqft · built 2005 |
| Lot Size | 0.19 acres (8,263 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $120,000 (Jan 2010) |
| Tax Bill | $1,266 (2025) |
| Deeds & Mortgages | Aug 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-25-590013-000120 |
| Primary APN | 26-28-25-590013-000120 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,773 sqft Living Area |
| Gross Area | 3,214 sqft |
| 1st Floor Area | 1,271 sqft |
| Upper Floors Area | 1,502 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 8,263 sqft (0.19 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 32 sqft |
| Street Address | 524 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 12 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 25 |
| Legal Subdivision | SAVANNAH ESTATES |
| Legal Tract | 590013 |
| Legal Block | 1 |
| Legal Lot Number | 12 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 14001 |
524 Cody Caleb Dr is owned and occupied by two individuals who bought it in January 2010.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 524 CODY CALEB DR, WINTER HAVEN, FL 33884-2206 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 20, 2010 · Amount on File |
| Deed Sale | Jan 20, 2010 · Amount on File |
| Prior Sale | Oct 20, 2009 |
| Deed Document Number | 20109346 |
| Deed Book / Page | 8058 / 1049 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 524 CODY CALEB DR, WINTER HAVEN, FL 33884-2206 |
| Document Number | 0106010064 |
| Instrument Date | Aug 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 524 CODY CALEB DR WINTER HAVEN FL 338842206, WINTER HAVEN, FL 33884-2206 |
| Document Number | 0106010064 |
|---|---|
| Date | Sep 4, 2018 |
| Book Page | 010601/000064 |
| Instrument | 187454 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 3, 2048 |
The 2025 property tax bill for 524 Cody Caleb Dr was $1,266 with a homeowner's exemption.
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 | $114,180 (+2.7%) | $279,188 (-0.77%) Land $42,000 Building $237,188 | |
| 2025 | $1,266.00 Homeowner's exemption | $111,178 | $281,355 Land $42,000 Building $239,355 |
| 2023 | $1,172.00 (+4.27%) Homeowner's exemption | $104,898 (+3%) | $282,217 (+19%) Land $40,000 Building $242,217 |
| 2022 | $1,124.00 Homeowner's exemption | $101,843 | $237,151 Land $34,000 Building $203,151 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 524 Cody Caleb Dr in Zone X, an area of minimal flood risk, within 100 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 100 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 |
|
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 risk around 524 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.
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 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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