543 Highfin Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 543 Highfin Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,983 sqft · built 2020
Lot Size	0.144 acres (6,255 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (Jun 2022)
Tax Bill	$2,928 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522101-001470`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522101-001470`
Alternative APNs	`022826522101001470` `22826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,983 sqft Living Area
Gross Area	2,536 sqft
1st Floor Area	1,983 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	6,255 sqft (0.144 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Florida Room
Porch Area	45 sqft

Location & Zoning

Street Address	543 HIGHFIN DR
City	WINTER HAVEN
State	FL
Zip	33881-9412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE LUCERNE PHASE 4 PB 169 PGS 38-39 LOT 147
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LAKE LUCERNE PHASE 4
Legal Phase	4
Legal Block	2
Legal Lot Number	147
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2000
Census Tract	12804

Owner

543 Highfin Dr is owned and occupied by an individual who bought it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	543 HIGHFIN DR, WINTER HAVEN, FL 33881-9412
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
Jun 22, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 13, 2022	Warranty Deed, Transfer · VA Mortgage TRIDENT HOME LOANS LLC
Jun 10, 2020	Grant Deed, Subdivision Related Transfer · VA Mortgage KBHS HM LNS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2022 · Amount on File
Deed Sale	Jun 13, 2022 · Amount on File
Prior Sale	Jun 10, 2020 · Amount on File
Deed Document Number	2022161340
Deed Book / Page	12294 / 2025
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	543 HIGHFIN DR, WINTER HAVEN, FL 33881-9412
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	543 HIGHFIN DR, WINTER HAVEN, FL 33881-9412

Mortgage

Document Number	0000162280
Date	Jun 22, 2021
Book Page	11771/1768
Instrument	2021162280

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	Jul 1, 2051

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 13, 2022
Property Address	543 HIGHFIN DR, WINTER HAVEN, FL 33881-9412
Document Number	0000161340
Book / Page	12294 / 2025
Map Reference	MB 169 PG 38&39
Instrument Date	Jun 9, 2022
Instrument	2022161340
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	SMART TITLE II LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1114 E 5TH ST, ANACONDA, MT 59711-2710

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	543 HIGHFIN DR, WINTER HAVEN, FL 33881-9412

Mortgage

Document Number	0122942027
Date	Jun 13, 2022
Instrument	12294/2027

Lender

Name	TRIDENT HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

June 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jun 10, 2020
Property Address	543 HIGHFIN DR, WINTER HAVEN, FL 33881-9412
Document Number	0112610482
Book / Page	011261 / 000482
Instrument Date	Jun 9, 2020
Instrument	115426
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 1, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,687.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	543 HIGHFIN DR WINTER HAVEN FL 338819412, WINTER HAVEN, FL 33881-9412

Mortgage

Document Number	112610484
Date	Jun 10, 2020
Book Page	011261/000484
Instrument	115427

Lender

Name	KBHS HM LNS LLC
Address	IRVING, TX 75039

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 9, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 543 Highfin Dr was $2,928 with exemptions applied.

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		$210,628 (+2.7%)	$245,698 (-8.16%) Land $50,000 Building $195,698
2025	$2,928.00 Homeowner's exemption	$205,091	$267,536 Land $50,000 Building $217,536
2023	$2,751.00 (-11.37%) Homeowner's exemption	$193,506 (-6.04%)	$290,935 (+11.78%) Land $48,000 Building $242,935
2022	$3,104.00	$205,936	$260,280 Land $40,000 Building $220,280

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

Flood

FEMA maps place 543 Highfin Dr in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2004.

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 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

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 543 Highfin Dr is moderate, ranking above 44% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct 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 System	SWISS VILLAGE MHP private · serves 1,410 people · EPA ID FL6532715
Water Source	Groundwater
Last State Inspection	Sep 2024
Also Mapped Here	WINTER HAVEN WATER DEPARTMENT
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 363 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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