Polk County property record for 7109 Summit Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,356 sqft · built 2005 |
| Lot Size | 0.179 acres (7,815 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $250,000 (Oct 2025) |
| Tax Bill | $469 (2025) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Oct 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-29-07-855609-000730 |
| Primary APN | 27-29-07-855609-000730 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,356 sqft Living Area |
| Gross Area | 1,839 sqft |
| 1st Floor Area | 1,356 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 | 7,815 sqft (0.179 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 34 sqft |
| Shed | 1 Shed |
| Street Address | 7109 SUMMIT DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2764 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUMMIT EAST PHASE 1 PB 124 PGS 29-30 LOT 73 |
| Legal Range | 27E |
| Legal Township | 29S |
| Legal Section | 07 |
| Legal Subdivision | SUMMIT EAST PHASE 1 |
| Legal Phase | 1 |
| Legal Tract | 855609 |
| Legal Block | 1 |
| Legal Lot Number | 73 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 1 |
| Census Block | 1013 |
| 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 | 7109 SUMMIT DR, WINTER HAVEN, FL 33884-2764 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Oct 9, 2025 | Warranty Deed, Transfer · FHA Mortgage MIDFLORIDA CU |
| Oct 31, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 9, 2025 · Amount on Record |
| Deed Sale | Oct 9, 2025 · Amount on Record |
| Prior Sale | Mar 2, 2005 · Amount on Record |
| Deed Document Number | 2025236803 |
| Deed Book / Page | 13729 / 1487 |
| Prior Transfer Date | Oct 26, 2022 |
| Prior Transfer Doc | 0000285855 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 9, 2025 |
| Property Address | 7109 SUMMIT DR, WINTER HAVEN, FL 33884-2764 |
| Document Number | 0000236803 |
| Book / Page | 13729 / 1487 |
| Map Reference | MB 124 PG 29&30 |
| Instrument Date | Sep 27, 2025 |
| Instrument | 2025236803 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2025 |
| Title Company | SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,750.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11640 OAKVIEW CT, CHAMPLIN, MN 55316-2624 |
| Name | Verified Name |
|---|---|
| Address | 7109 SUMMIT DR, WINTER HAVEN, FL 33884-2764 |
| Document Number | 0137291489 |
|---|---|
| Date | Oct 9, 2025 |
| Instrument | 13729/1489 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 31, 2022 |
| Property Address | 7109 SUMMIT DR, WINTER HAVEN, FL 33884-2764 |
| Document Number | 0000285855 |
| Book / Page | 12468 / 698 |
| Map Reference | MB 124 PG 29&30 |
| Instrument Date | Oct 26, 2022 |
| Instrument | 2022285855 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7109 SUMMIT DR, 7109, WINTER HAVEN, FL 33884-2764 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 7109 SUMMIT DR, WINTER HAVEN, FL 33884-2764 |
| Investor | Possibly a Property Investor |
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 | $142,919 (+37.52%) | $195,968 (-0.67%) Land $42,000 Building $153,968 | |
| 2025 | $469.00 (+10.35%) | $103,924 (+2.9%) | $197,280 (-7.28%) Land $42,000 Building $155,280 |
| 2024 | $425.00 (+5.2%) Homeowner's exemption | $100,995 (+3%) | $212,769 (-10.05%) Land $42,000 Building $170,769 |
| 2023 | $404.00 (+1.76%) Homeowner's exemption | $98,053 (+3%) | $236,539 (+17%) Land $40,000 Building $196,539 |
| 2022 | $397.00 Homeowner's exemption | $95,197 | $202,162 Land $34,000 Building $168,162 |
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.
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 A, within 100 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 50% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Indirect within ember reach |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures