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

Polk County property record for 592 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	0.255 acres (11,112 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Mar 2024)
Tax Bill	$4,204 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-25-590013-000390`

Property Details

APN / Parcel Number

Primary APN	`26-28-25-590013-000390`
Alternative APNs	`252826590013000390` `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	11,112 sqft (0.255 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	431 sqft
Porch	Screened/Unfinished Porch
Porch Area	140 sqft

Location & Zoning

Street Address	592 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 39
Legal Range	26E
Legal Township	28S
Legal Section	25
Legal Subdivision	SAVANNAH ESTATES
Legal Tract	590013
Legal Block	1
Legal Lot Number	39
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1000
Census Tract	14001

Owner

592 Cody Caleb Dr is owned and occupied by two individuals who bought it in March 2024.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	592 CODY CALEB DR, WINTER HAVEN, FL 33884-2206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2024	Warranty Deed, Transfer · FHA Mortgage CLICK N CLOSE INC
Oct 17, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
May 22, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2024 · Amount on File
Deed Sale	Mar 11, 2024 · Amount on File
Prior Sale	Feb 4, 2011 · Amount on File
Deed Document Number	202456438
Deed Book / Page	13035 / 2239
Prior Transfer Date	Nov 18, 2010
Prior Transfer Doc	0000189943
Record Updated	Oct 29, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 11, 2024
Property Address	592 CODY CALEB DR, WINTER HAVEN, FL 33884-2206
Document Number	0000056438
Book / Page	13035 / 2239
Map Reference	MB 129 PG 34&35
Instrument Date	Mar 4, 2024
Instrument	2024056438
Transaction Type	Transfer
Record Updated	Mar 25, 2024
Title Company	REAL ESTATE TITLE SVCS INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3723 PLYMOUTH DR, WINTER HAVEN, FL 33884-5246

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	592 CODY CALEB DR, WINTER HAVEN, FL 33884-2206

Mortgage

Document Number	0130352241
Date	Mar 11, 2024
Instrument	13035/2241

Lender

Name	CLICK N CLOSE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

Mortgage

Document Number	0000056440
Date	Mar 11, 2024
Book Page	13035/2257
Instrument	2024056440

Lender

Name	CLICK N CLOSE INC
Type	Mortgage Company
Address	ADDISON, TX 75001

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Apr 1, 2034

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	592 CODY CALEB DR, WINTER HAVEN, FL 33884-2206
Document Number	0110151413
Instrument Date	Oct 17, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	592 CODY CALEB DR WINTER HAVEN FL 338842206, WINTER HAVEN, FL 33884-2206

Mortgage

Document Number	0110151413
Date	Oct 23, 2019
Book Page	011015/001413
Instrument	224678

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2049

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	May 22, 2018
Property Address	592 CODY CALEB DR, WINTER HAVEN, FL 33884-2206
Document Number	0104930049
Book / Page	010493 / 000049
Instrument Date	May 22, 2018
Instrument	109570
Transaction Type	Transfer
Record Updated	Jun 18, 2018
Title Company	ATTORNEY ONLY

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	592 CODY CALEB DR WINTER HAVEN FL 338842206, WINTER HAVEN, FL 33884-2206

Tax Assessment & Valuation

The 2025 property tax bill for 592 Cody Caleb Dr was $4,204 with a homeowner's exemption, up 460.5% 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		$224,591 (-0.13%) Land $42,000 Building $182,591	$224,591 (-0.13%) Land $42,000 Building $182,591
2025	$4,204.00 (+460.53%)	$224,877 Land $42,000 Building $182,877	$224,877 Land $42,000 Building $182,877
2024	$750.00 (+5.63%)
2023	$710.00 (+5.97%) Homeowner's exemption	$85,477 (+3%)	$225,532 (+7.71%) Land $40,000 Building $185,532
2022	$670.00 Homeowner's exemption	$82,987	$209,379 Land $34,000 Building $175,379

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 592 Cody Caleb Dr in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1979.

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 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 592 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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