680 Wakulla Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 680 Wakulla Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,212 sqft · built 1973
Lot Size	0.241 acres (10,502 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Aug 2023)
Tax Bill	$2,560 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Mar 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-34-659500-007840`

Property Details

APN / Parcel Number

Primary APN	`26-28-34-659500-007840`
Alternative APNs	`342826659500007840` `42826000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,212 sqft Living Area
Gross Area	1,590 sqft
1st Floor Area	1,212 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1995
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	10,502 sqft (0.241 acres)
Lot Dimensions	150 ft deep x 70 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	378 sqft
Porch	Finished/Open Porch
Porch Area	280 sqft

Location & Zoning

Street Address	680 WAKULLA DR
City	WINTER HAVEN
State	FL
Zip	33884-1478
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ELOISE WOODS EAST LAKE MARIAM UNIT PB 19 PGS 32 32A IN S 34/35 T 28 R 26 LOTS 783 E 15 FT & 784
Legal Range	26E
Legal Township	28S
Legal Section	34
Legal Subdivision	ELOISE WOODS EAST LAKE MARIAM UNIT
Legal Tract	659500
Legal Block	2
Legal Lot Number	783
Legal Unit	PB
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2012
Census Tract	13902

Owner

680 Wakulla Dr is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	680 WAKULLA DR, WINTER HAVEN, FL 33884-1478
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
Aug 16, 2023	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Mar 30, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 24, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Jun 7, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
May 9, 2018	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2023 · Amount on File
Deed Sale	Aug 16, 2023 · Amount on File
Prior Sale	May 9, 2018 · Amount on File
Deed Document Number	2023192307
Deed Book / Page	12803 / 660
Prior Transfer Date	Aug 11, 2023
Prior Transfer Doc	0000192307
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 16, 2023
Property Address	680 WAKULLA DR, WINTER HAVEN, FL 33884-1478
Document Number	0000192307
Book / Page	12803 / 660
Map Reference	MB 19 PG 32&32A
Instrument Date	Aug 11, 2023
Instrument	2023192307
Transaction Type	Transfer
Record Updated	Aug 30, 2023
Title Company	OAK HARBOR TITLE SERVICES LLC, OAK HARBOR TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	840 ETON RD, HARDY, VA 24101-2452

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	680 WAKULLA DR, WINTER HAVEN, FL 33884-1478

Mortgage

Document Number	0012803662
Date	Aug 16, 2023
Instrument	12803/662

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	680 WAKULLA DR, WINTER HAVEN, FL 33884-1478
Transaction Type	Mortgage
Record Updated	Apr 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	680 WAKULLA DR, WINTER HAVEN, FL 33884-1478

Mortgage

Document Number	0000085912
Date	Mar 30, 2022
Book Page	12185/433
Instrument	2022085912

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	680 WAKULLA DR, WINTER HAVEN, FL 33884-1478
Document Number	0113191676
Instrument Date	Jul 24, 2020
Transaction Type	Mortgage
Record Updated	Aug 24, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	680 WAKULLA DR WINTER HAVEN FL 338841478, WINTER HAVEN, FL 33884-1478

Mortgage

Document Number	0113191676
Date	Jul 31, 2020
Book Page	011319/001676
Instrument	155102

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2050

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Jun 7, 2019
Property Address	680 WAKULLA DR, WINTER HAVEN, FL 33884-1478
Document Number	0108670871
Book / Page	010867 / 000871
Instrument Date	Jun 5, 2019
Instrument	118018
Transaction Type	Transfer
Record Updated	Jun 21, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	680 WAKULLA DR WINTER HAVEN FL 338841478, WINTER HAVEN, FL 33884-1478

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 9, 2018
Property Address	680 WAKULLA DR, WINTER HAVEN, FL 33884-1478
Document Number	0104791011
Book / Page	010479 / 001011
Instrument Date	May 4, 2018
Instrument	99108
Transaction Type	Transfer
Record Updated	Jun 4, 2018
Title Company	RIDGE SECURITY TITLE INC, RIDGE SEC TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,036.00
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	PO BOX 459 DURANT FL 335300459, DURANT, FL 33530-0459

Mortgage

Document Number	104791013
Date	May 9, 2018
Book Page	010479/001013
Instrument	99109

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 8, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 680 Wakulla Dr was $2,560.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$191,791 (-0.71%) Land $38,950 Building $152,841	$191,791 (-0.71%) Land $38,950 Building $152,841
2025	$2,560.00	$193,171 Land $38,950 Building $154,221	$193,171 Land $38,950 Building $154,221
2023	$1,027.00 (+6.2%) Homeowner's exemption	$108,810 (+3%)	$191,941 (+9.99%) Land $37,925 Building $154,016
2022	$967.00 Homeowner's exemption	$105,641	$174,511 Land $31,770 Building $142,741

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 680 Wakulla Dr in Zone X, an area of minimal flood risk, though there have been 2 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 25 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	25 in force
Nearby Flood Claims	2 (2004)
Most Recent Claim	Sep 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

Wildfire risk around 680 Wakulla Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None 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 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 394 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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