Polk County property record for 7145 Summit Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,842 sqft · built 2004 |
| Lot Size | 0.201 acres (8,764 sqft) |
| Owner | Company Name on Record |
| Last Sale | $329,500 (Oct 2022) |
| Tax Bill | $4,388 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage Jul 2023 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-29-07-855609-000860 |
| Primary APN | 27-29-07-855609-000860 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,842 sqft Living Area |
| Gross Area | 2,283 sqft |
| 1st Floor Area | 1,842 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 8,764 sqft (0.201 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 182 sqft |
| Street Address | 7145 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 86 |
| 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 | 86 |
| 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 | Company Name on Record |
|---|---|
| Mailing Address | 15771 RED HILL AVE, 100, TUSTIN, CA 92780-7333 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Jul 25, 2023 | Deed of Trust, Mortgage · Commercial Mortgage MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS |
| Jul 17, 2023 | Intrafamily Transfer, Transfer OS NATIONAL LLC |
| Oct 20, 2022 | Warranty Deed, Transfer OS NATIONAL LLC |
| Aug 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 2, 2020 | Warranty Deed, Transfer · Conventional with PMI HOME PT FIN'L |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 20, 2022 · Amount on Record |
| Deed Sale | Oct 20, 2022 · Amount on Record |
| Prior Sale | Jul 2, 2020 · Amount on Record |
| Deed Document Number | 2022276728 |
| Deed Book / Page | 12455 / 1422 |
| Prior Transfer Date | Dec 11, 2013 |
| Prior Transfer Doc | 0000227516 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 7145 SUMMIT DR, WINTER HAVEN, FL 33884-2764 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2023 |
| Title Company | OS NATIONAL LLC |
| Name | Verified Name |
|---|
| Document Number | 0000172360 |
|---|---|
| Date | Jul 25, 2023 |
| Book Page | 12775/867 |
| Instrument | 2023172360 |
| Name | MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10036 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 17, 2023 |
| Property Address | 7145 SUMMIT DR, WINTER HAVEN, FL 33884-2764 |
| Document Number | 0000165529 |
| Book / Page | 12765 / 1131 |
| Map Reference | MB 124 PG 29&30 |
| Instrument Date | Jul 11, 2023 |
| Instrument | 2023165529 |
| Transaction Type | Transfer |
| Record Updated | Aug 7, 2023 |
| Title Company | OS NATIONAL LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15771 RED HILL AVE, TUSTIN, CA 92780-7333 |
| Name | Verified Name |
|---|---|
| Address | 15771 RED HILL AVE, TUSTIN, CA 92780-7333 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 20, 2022 |
| Property Address | 7145 SUMMIT DR, WINTER HAVEN, FL 33884-2764 |
| Document Number | 0000276728 |
| Book / Page | 12455 / 1422 |
| Map Reference | MB 124 PG 29&30 |
| Instrument Date | Oct 15, 2022 |
| Instrument | 2022276728 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2022 |
| Title Company | OS NATIONAL LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,306.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 182 BANYON CT, 182, DALLAS, GA 30157-5104 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 15087, SANTA ANA, CA 92735-0087 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 7145 SUMMIT DR, WINTER HAVEN, FL 33884-2764 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 7145 SUMMIT DR, WINTER HAVEN, FL 33884-2764 |
| Document Number | 0000221307 |
|---|---|
| Date | Aug 25, 2021 |
| Book Page | 11861/1389 |
| Instrument | 2021221307 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 2, 2020 |
| Property Address | 7145 SUMMIT DR, WINTER HAVEN, FL 33884-2764 |
| Document Number | 0112861006 |
| Book / Page | 011286 / 001006 |
| Instrument Date | Jun 30, 2020 |
| Instrument | 133024 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2020 |
| Title Company | NTC - KEY W |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,505.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7145 SUMMIT DR WINTER HAVEN FL 338842764, WINTER HAVEN, FL 33884-2764 |
| Document Number | 112861008 |
|---|---|
| Date | Jul 2, 2020 |
| Book Page | 011286/001008 |
| Instrument | 133025 |
| Name | HOME PT FIN'L |
|---|---|
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2050 |
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 | $225,405 (-3.96%) Land $42,000 Building $183,405 | $225,405 (-3.96%) Land $42,000 Building $183,405 | |
| 2025 | $4,388.00 (-17.61%) | $234,694 (-16.77%) Land $42,000 Building $192,694 | $234,694 (-16.77%) Land $42,000 Building $192,694 |
| 2023 | $5,326.00 (+29.87%) | $281,993 (+15.6%) Land $40,000 Building $241,993 | $281,993 (+15.6%) Land $40,000 Building $241,993 |
| 2022 | $4,101.00 | $243,948 Land $34,000 Building $209,948 | $243,948 Land $34,000 Building $209,948 |
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 | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | None beyond 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 |
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