Polk County property record for 7006 Summit Cir, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,803 sqft · built 2005 |
| Lot Size | 0.184 acres (8,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $220,000 (Jun 2021) |
| Tax Bill | $3,529 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Jul 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-29-06-855572-001040 |
| Primary APN | 27-29-06-855572-001040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,803 sqft Living Area |
| Gross Area | 2,243 sqft |
| 1st Floor Area | 1,803 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 8,019 sqft (0.184 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 200 sqft |
| Street Address | 7006 SUMMIT CIR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2767 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUMMIT EAST PHASE II PB 125 PGS 42-43 LOT 104 |
| Legal Range | 27E |
| Legal Township | 29S |
| Legal Section | 06 |
| Legal Subdivision | SUMMIT EAST PHASE II |
| Legal Phase | II |
| Legal Tract | 855572 |
| Legal Block | 1 |
| Legal Lot Number | 104 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 14123 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 7006 SUMMIT CIR, WINTER HAVEN, FL 33884-2767 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 6, 2026 | Deed of Trust, Mortgage · FHA Mortgage SERVICEMAC |
| Jul 26, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jun 14, 2021 | Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE |
| Nov 13, 2019 | Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK |
| May 23, 2018 | Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 14, 2021 · Amount on Record |
| Deed Sale | Jun 14, 2021 · Amount on Record |
| Prior Sale | May 18, 2005 · Amount on Record |
| Deed Document Number | 2021152794 |
| Deed Book / Page | 11757 / 239 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 6, 2026 |
| Property Address | 7006 SUMMIT CIR, WINTER HAVEN, FL 33884-2767 |
| Document Number | 0000159197 |
| Book / Page | 14062 / 1385 |
| Instrument Date | Jun 26, 2026 |
| Instrument | 2026159197 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2026 |
| Title Company | SERVICEMAC |
| Name | Verified Name |
|---|---|
| Address | 7006 SUMMIT CIR, WINTER HAVEN, FL 33884-2767 |
| Document Number | 0000159197, |
|---|---|
| Date | Jul 6, 2026 |
| Book Page | 14062/1385 |
| Instrument | 2026159197 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 1, 2051 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 7006 SUMMIT CIR, WINTER HAVEN, FL 33884-2767 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2023 |
| Name | Verified Name |
|---|---|
| Address | 7006 SUMMIT CIR, WINTER HAVEN, FL 33884-2767 |
| Document Number | 0000173657 |
|---|---|
| Date | Jul 26, 2023 |
| Book Page | 12777/142 |
| Instrument | 2023173657 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 14, 2021 |
| Property Address | 7006 SUMMIT CIR, WINTER HAVEN, FL 33884-2767 |
| Document Number | 0000152794 |
| Book / Page | 11757 / 239 |
| Map Reference | MB 125 PG 42 |
| Instrument Date | Jun 4, 2021 |
| Instrument | 2021152794 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | OLIVER TITLE LAW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,540.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8910 HINSDALE HEIGHTS DR, 8910, POLK CITY, FL 33868-6014 |
| Name | Verified Name |
|---|---|
| Address | 7006 SUMMIT CIR, WINTER HAVEN, FL 33884-2767 |
| Document Number | 0011757241 |
|---|---|
| Date | Jun 14, 2021 |
| Instrument | 11757/241 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 7006 SUMMIT CIR, WINTER HAVEN, FL 33884-2767 |
| Document Number | 0110781441 |
| Instrument Date | Nov 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 7006 SUMMIT CIR WINTER HAVEN FL 338842767, WINTER HAVEN, FL 33884-2767 |
| Document Number | 0110781441 |
|---|---|
| Date | Dec 18, 2019 |
| Book Page | 011078/001441 |
| Instrument | 268155 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 17, 2049 |
| Rate | 3.75% |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 7006 SUMMIT CIR, WINTER HAVEN, FL 33884-2767 |
| Document Number | 0105200271 |
| Instrument Date | May 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 6, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 7006 SUMMIT CIR WINTER HAVEN FL 338842767, WINTER HAVEN, FL 33884-2767 |
| Document Number | 0105200271 |
|---|---|
| Date | Jun 18, 2018 |
| Book Page | 010520/000271 |
| Instrument | 129439 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | FORT MILL, SC 29715 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 17, 2048 |
| Rate | 4.62% |
|---|
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $225,178 (-3.03%) Land $42,000 Building $183,178 | $225,178 (-3.03%) Land $42,000 Building $183,178 | |
| 2025 | $3,529.00 (-8.91%) Homeowner's exemption | $232,214 (-6.36%) Land $42,000 Building $190,214 | $232,214 (-17.51%) Land $42,000 Building $190,214 |
| 2023 | $3,874.00 (+2.84%) Homeowner's exemption | $247,996 (+3%) | $281,520 (+16.92%) Land $40,000 Building $241,520 |
| 2022 | $3,767.00 Homeowner's exemption | $240,773 Land $34,000 Building $206,773 | $240,773 Land $34,000 Building $206,773 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 26 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 26 in force |
| Nearby Flood Claims | 24 (1979–2022) |
| Claims Outside the SFHA | 3 of 24 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 257 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 |
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