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

Polk County property record for 547 Cody Caleb Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,629 sqft · built 2006
Lot Size	0.193 acres (8,398 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (May 2017)
Tax Bill	$2,955 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-25-590013-000640`

Property Details

APN / Parcel Number

Primary APN	`26-28-25-590013-000640`
Alternative APNs	`252826590013000640` `52826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,629 sqft Living Area
Gross Area	3,070 sqft
1st Floor Area	1,271 sqft
Upper Floors Area	1,358 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	8,398 sqft (0.193 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Unfinished Open Porch
Porch Area	32 sqft

Location & Zoning

Street Address	547 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 64
Legal Range	26E
Legal Township	28S
Legal Section	25
Legal Subdivision	SAVANNAH ESTATES
Legal Tract	590013
Legal Block	1
Legal Lot Number	64
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1009
Census Tract	14001

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	547 CODY CALEB DR, WINTER HAVEN, FL 33884-2253
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jun 8, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LN SERVICING
May 26, 2017	Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2017 · Amount on Record
Deed Sale	May 26, 2017 · Amount on Record
Prior Sale	May 20, 2015 · Amount on Record
Deed Document Number	2017100642
Deed Book / Page	10157 / 1638
Prior Transfer Date	Feb 12, 2015
Prior Transfer Doc	0094530837
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	547 CODY CALEB DR, WINTER HAVEN, FL 33884-2253
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000196238
Date	Jul 19, 2022
Book Page	12344/689
Instrument	2022196238

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	547 CODY CALEB DR, WINTER HAVEN, FL 33884-2253
Document Number	0113251628
Instrument Date	Jun 8, 2020
Transaction Type	Mortgage
Record Updated	Aug 27, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	547 CODY CALEB DR WINTER HAVEN FL 338842253, WINTER HAVEN, FL 33884-2253

Mortgage

Document Number	0113251628
Date	Aug 6, 2020
Book Page	011325/001628
Instrument	159041

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 5, 2050

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 26, 2017
Property Address	547 CODY CALEB DR, WINTER HAVEN, FL 33884-2253
Document Number	0101571630
Book / Page	010157 / 001630
Instrument Date	May 19, 2017
Instrument	100642
Transaction Type	Transfer
Record Updated	Mar 15, 2018
Title Company	HOME SOLUTION TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5308 ASHMEADE RD ORLANDO FL 328101702, ORLANDO, FL 32810-1702

Mortgage

Document Number	101571631
Date	May 26, 2017
Book Page	010157/001631
Instrument	100643

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 25, 2047

Tax Assessment & Valuation

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		$206,949 (+2.7%)	$269,300 (-1.75%) Land $42,000 Building $227,300
2025	$2,955.00 (+6.26%) Homeowner's exemption	$201,508 (+5.99%)	$274,105 (+0.62%) Land $42,000 Building $232,105
2023	$2,781.00 (+3.08%) Homeowner's exemption	$190,125 (+3%)	$272,422 (+17.21%) Land $40,000 Building $232,422
2022	$2,698.00 Homeowner's exemption	$184,587	$232,417 Land $34,000 Building $198,417

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 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 Record 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

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

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.07% 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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