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644 Wakulla Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 644 Wakulla Dr, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,720 sqft · built 1974
Lot Size0.431 acres (18,757 sqft)
Owner2 Individual Names on Record
Last Sale$292,000 (May 2021)
Tax Bill$3,713 (2025)
Deeds & MortgagesAug 2023 Mortgage
May 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-34-659500-004890

Property Details

APN / Parcel Number

Primary APN26-28-34-659500-004890
Alternative APNs
  • 342826659500004890
  • 42826000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,720 sqft Living Area
1st Floor Area2,720 sqft
FlooringTerrazzo
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 1974
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area18,757 sqft (0.431 acres)
Lot Dimensions150 ft deep x 50 ft wide
View / LotCommercial/Industrial

Exterior Amenities

Pool TypeEnclosed Pool
Pool Area450 sqft
PorchUnfinished Open Porch
Porch Area100 sqft
Shed1 Shed

Location & Zoning

Street Address644 WAKULLA DR
CityWINTER HAVEN
StateFL
Zip33884-1478
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionELOISE WOODS EAST LAKE MARIAM UNIT PB 19 PGS 32 32A IN S34/35 T28 R26 LOT 489 & 490
Legal Range26E
Legal Township28S
Legal Section34
Legal SubdivisionELOISE WOODS EAST LAKE MARIAM UNIT
Legal Tract659500
Legal Block2
Legal Lot Number489,4
Legal UnitPB
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2012
Census Tract13902

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 Record2 Individual Names on Record
Mailing Address644 WAKULLA DR, WINTER HAVEN, FL 33884-1478
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 1, 2023Deed of Trust, Mortgage · FHA Mortgage
NEWREZ LLC
May 12, 2021Warranty Deed, Transfer · FHA Mortgage
CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 12, 2021 · Amount on Record
Deed SaleMay 12, 2021 · Amount on Record
Deed Document Number2021123828
Deed Book / Page11712 / 1660
Record UpdatedOct 29, 2026

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address644 WAKULLA DR, WINTER HAVEN, FL 33884-1478
Transaction TypeMortgage
Record UpdatedAug 18, 2023
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address644 WAKULLA DR, WINTER HAVEN, FL 33884-1478
InvestorPossibly a Property Investor

Mortgage

Document Number0000179136
DateAug 1, 2023
Book Page12784/2069
Instrument2023179136
Lender
NameNEWREZ LLC
TypeMortgage Company
AddressTEMPE, AZ 85284
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term334 Months
DueJun 1, 2051

May 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMay 12, 2021
Property Address644 WAKULLA DR, WINTER HAVEN, FL 33884-1478
Document Number0000123828
Book / Page11712 / 1660
Map ReferenceMB 19 PG 32&32A
Instrument DateMay 3, 2021
Instrument2021123828
Transaction TypeTransfer
Record UpdatedMay 31, 2021
Title CompanyALL REAL ESTATE TITLE SERVICES INC, REAL ESTATE TITLE SVCS INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,044.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address642 POPE AVE NW, 642, WINTER HAVEN, FL 33881-4665

Transferred To (Grantee/Buyer)

NameVerified Name
Address644 WAKULLA DR, WINTER HAVEN, FL 33884-1478
InvestorPossibly a Property Investor

Mortgage

Document Number0117121662
DateMay 12, 2021
Instrument11712/1662
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2051

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$321,704 (+0.33%) Land $54,673 Building $267,031$321,704 (+0.33%) Land $54,673 Building $267,031
2025$3,713.00 (-14.11%) Homeowner's exemption$320,644 (-1.12%) Land $54,673 Building $265,971$320,644 (-3.36%) Land $54,673 Building $265,971
2023$4,323.00 (+2.39%) Homeowner's exemption$324,262 (+3%)$331,792 (+5.39%) Land $53,234 Building $278,558
2022$4,222.00 Homeowner's exemption$314,817 Land $44,514 Building $270,303$314,817 Land $44,514 Building $270,303

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 25 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies25 in force
Nearby Flood Claims2 (2004)
Most Recent ClaimSep 2004 · Hurricane Frances

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 RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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 394 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000

May also be available: Verizon.

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