Polk County property record for 7020 Summit Cir, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,504 sqft · built 2005 |
| Lot Size | 0.448 acres (19,502 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,951 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Jun 2019 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 27-29-06-855572-001100 |
| Primary APN | 27-29-06-855572-001100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,504 sqft Living Area |
| Gross Area | 1,904 sqft |
| 1st Floor Area | 1,504 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 | Hip |
| Roof Material | Other |
| Lot Area | 19,502 sqft (0.448 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Pool Type | Enclosed Pool |
| Porch | Unfinished Open Porch |
| Porch Area | 40 sqft |
| Street Address | 7020 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 110 |
| 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 | 110 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 7020 SUMMIT CIR, WINTER HAVEN, FL 33884-2767 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 5, 2021 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jun 19, 2019 | Quit Claim Deed, Mortgage · VA Mortgage MORTGAGE FIRM |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 19, 2019 |
| Deed Sale | Jun 19, 2019 |
| Prior Sale | Aug 3, 2004 · Amount on Record |
| Deed Document Number | 2019127092 |
| Deed Book / Page | 10879 / 1484 |
| Prior Transfer Date | Jun 10, 2019 |
| Prior Transfer Doc | 0000127092 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 7020 SUMMIT CIR, WINTER HAVEN, FL 33884-2767 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 7020 SUMMIT CIR, WINTER HAVEN, FL 33884-2767 |
| Document Number | 0000030786 |
|---|---|
| Date | Feb 5, 2021 |
| Book Page | 11569/1780 |
| Instrument | 2021030786 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 19, 2019 |
| Property Address | 7020 SUMMIT CIR, WINTER HAVEN, FL 33884-2767 |
| Document Number | 0108791484 |
| Book / Page | 010879 / 001484 |
| Instrument Date | Jun 10, 2019 |
| Instrument | 127092 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2019 |
| Title Company | COAST TO COAST TITLE AND ESCROW, COAST TO COAST TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7020 SUMMIT CIR WINTER HAVEN FL 338842767, WINTER HAVEN, FL 33884-2767 |
| Document Number | 108791486 |
|---|---|
| Date | Jun 19, 2019 |
| Book Page | 010879/001486 |
| Instrument | 127093 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 18, 2049 |
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 | $151,803 (+2.7%) | $247,499 (+0.37%) Land $70,000 Building $177,499 | |
| 2025 | $1,951.00 (+6.96%) Homeowner's exemption | $147,812 (+5.99%) | $246,588 (-13.89%) Land $70,000 Building $176,588 |
| 2023 | $1,824.00 (+3.52%) Homeowner's exemption | $139,462 (+3%) | $286,368 (+16.25%) Land $68,000 Building $218,368 |
| 2022 | $1,762.00 Homeowner's exemption | $135,400 | $246,342 Land $56,000 Building $190,342 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 136.6 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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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