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

Polk County property record for 570 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	0.165 acres (7,205 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,000 (Jul 2018)
Tax Bill	$4,111 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-25-590013-000280`

Property Details

APN / Parcel Number

Primary APN	`26-28-25-590013-000280`
Alternative APNs	`252826590013000280` `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	7,205 sqft (0.165 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	431 sqft
Porch	Screened/Unfinished Porch
Porch Area	140 sqft

Location & Zoning

Street Address	570 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 28
Legal Range	26E
Legal Township	28S
Legal Section	25
Legal Subdivision	SAVANNAH ESTATES
Legal Tract	590013
Legal Block	1
Legal Lot Number	28
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1000
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	1704 N 350 W, OREM, UT 84057-8542
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Dec 3, 2020	Quit Claim Deed, Transfer STEARNS LNDG LLC
Jul 27, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Jul 12, 2018	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICAN FORK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2018 · Amount on Record
Deed Sale	Jul 12, 2018 · Amount on Record
Prior Sale	Aug 13, 2008 · Amount on Record
Deed Document Number	2018148365
Deed Book / Page	10546 / 1268
Last Transfer Date	Nov 17, 2020
Transfer Doc	0000258775
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	570 CODY CALEB DR, WINTER HAVEN, FL 33884-2206
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1704 N 350 W, OREM, UT 84057-8542

Mortgage

Document Number	0000201404
Date	Jul 25, 2022
Book Page	12351/211
Instrument	2022201404

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

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

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Dec 3, 2020
Property Address	570 CODY CALEB DR, WINTER HAVEN, FL 33884-2206
Document Number	0114771282
Book / Page	011477 / 001282
Instrument Date	Nov 17, 2020
Instrument	258775
Transaction Type	Transfer
Record Updated	Dec 22, 2020
Title Company	HAVEN TITLE LLC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	476 N 950 E OREM UT 840974265, OREM, UT 84097-4265

Mortgage

Document Number	114771284
Date	Dec 3, 2020
Book Page	011477/001284
Instrument	258776

Lender

Name	STEARNS LNDG LLC
Address	LEWISVILLE, TX 75057

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 27, 2018
Property Address	570 CODY CALEB DR, WINTER HAVEN, FL 33884-2206
Document Number	0105630816
Book / Page	010563 / 000816
Instrument Date	Jul 23, 2018
Instrument	160821
Transaction Type	Transfer
Record Updated	Aug 10, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1051 E 760 N OREM UT 840975479, OREM, UT 84097-5479

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 12, 2018
Property Address	570 CODY CALEB DR, WINTER HAVEN, FL 33884-2206
Document Number	0105461268
Book / Page	010546 / 001268
Instrument Date	Jul 6, 2018
Instrument	148365
Transaction Type	Transfer
Record Updated	Jul 24, 2018
Title Company	HAVEN TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1051 E 760 N OREM UT 840975479, OREM, UT 84097-5479

Mortgage

Document Number	105461272
Date	Jul 12, 2018
Book Page	010546/001272
Instrument	148367

Lender

Name	BANK OF AMERICAN FORK
Type	Bank
Address	AMERICAN FORK, UT 84003

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2048

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		$216,891 (-1.36%) Land $42,000 Building $174,891	$216,891 (-1.36%) Land $42,000 Building $174,891
2025	$4,111.00 (+12.32%)	$219,877 (-1.45%) Land $42,000 Building $177,877	$219,877 (-1.45%) Land $42,000 Building $177,877
2023	$3,660.00 (+8.41%)	$223,115 (+7.97%) Land $40,000 Building $183,115	$223,115 (+7.97%) Land $40,000 Building $183,115
2022	$3,376.00	$206,653 Land $34,000 Building $172,653	$206,653 Land $34,000 Building $172,653

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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