709 Heritage Dr NE, Winter Haven, FL 33881 Property Records

Polk County property record for 709 Heritage Dr NE, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,440 sqft · built 1997
Lot Size	0.61 acres (26,550 sqft)
Owner	Individual Name on Record
Last Sale	$287,500 (Jun 2015)
Tax Bill	$5,112 (2025)
Deeds & Mortgages	Jun 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-13-532311-000630`

Property Details

APN / Parcel Number

Primary APN	`26-28-13-532311-000630`
Alternative APNs	`132826532311000630` `32826000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,440 sqft Living Area
Gross Area	3,501 sqft
1st Floor Area	2,440 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	26,550 sqft (0.61 acres)
Lot Dimensions	165 ft deep x 125 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	520 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	288 sqft
Porch	Florida Room
Porch Area	623 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	709 HERITAGE DR NE
City	WINTER HAVEN
State	FL
Zip	33881-5718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	HAMILTON POINTE PB 90 PG 20 & 21 LOT 63
Legal Range	26E
Legal Township	28S
Legal Section	13
Legal Subdivision	HAMILTON POINTE
Legal Tract	532311
Legal Block	2
Legal Lot Number	63
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2011
Census Tract	12802

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 Record	Individual Name on Record
Mailing Address	709 HERITAGE DR NE, WINTER HAVEN, FL 33881-5718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2015 · Amount on Record
Deed Sale	Jun 15, 2015 · Amount on Record
Prior Sale	Jun 20, 2011 · Amount on Record
Deed Document Number	2015107238
Deed Book / Page	9551 / 629
Prior Transfer Date	Nov 18, 2010
Prior Transfer Doc	0000189944
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	709 HERITAGE DR NE, WINTER HAVEN, FL 33881-5718
Transaction Type	Mortgage
Record Updated	Mar 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 HERITAGE DR NE, WINTER HAVEN, FL 33881-5718

Mortgage

Document Number	0000166751
Date	Jun 17, 2022
Book Page	12302/996
Instrument	2022166751

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

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		$325,407 (+2.7%)	$379,762 (+1.57%) Land $48,000 Building $331,762
2025	$5,112.00 (+5.69%) Homeowner's exemption	$316,852 (+5.99%)	$373,902 (-4.97%) Land $48,000 Building $325,902
2023	$4,837.00 (+2.72%) Homeowner's exemption	$298,953 (+3%)	$393,466 (+6.3%) Land $46,000 Building $347,466
2022	$4,709.00 Homeowner's exemption	$290,246	$370,159 Land $38,000 Building $332,159

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 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 39 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	3 (2022–2023)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2023 · Hurricane Idalia
Claims by Event	Hurricane Ian, Sep 2022 · 2 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

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

Wildfire Risk	Moderate above 57% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% 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 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000