Polk County property record for 8 Apple Tree Ln, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,937 sqft · built 1985 |
| Lot Size | 5.01 acres (218,284 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $167,000 (Aug 2001) |
| Tax Bill | $1,616 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Apr 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-23-690590-000081 |
| Primary APN | 26-29-23-690590-000081 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,937 sqft Living Area |
| Gross Area | 2,465 sqft |
| 1st Floor Area | 1,484 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 218,284 sqft |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 450 sqft |
| Porch | Florida Room |
| Porch Area | 478 sqft |
| Shed | 1 Shed |
| Street Address | 8 APPLE TREE LN |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3401 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUNDANCE RANCH ESTATES PB 77 PG 28 LOT 8 & AN UNDIVIDED SHARE IN PRIVATE ROADS |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 23 |
| Legal Subdivision | SUNDANCE RANCH ESTATES |
| Legal Tract | 690590 |
| Legal Block | 4 |
| Legal Lot Number | 8 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 4 |
| Census Block | 4058 |
| Census Tract | 14501 |
Source: Polk County records · APN 26-29-23-690590-000081
Assessment roll updated July 23, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 8 APPLE TREE LN, WINTER HAVEN, FL 33884-3401 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Apr 18, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MR COOPER |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 23, 2001 · Amount on Record |
| Deed Sale | Aug 23, 2001 · Amount on Record |
| Deed Book / Page | 4781 / 1993 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 8 APPLE TREE LN, WINTER HAVEN, FL 33884-3401 |
| Transaction Type | Mortgage |
| Record Updated | Dec 07, 2021 |
| Name | Verified Name |
|---|---|
| Address | 8 APPLE TREE LN, WINTER HAVEN, FL 33884-3401 |
| Document Number | 0000303214 |
|---|---|
| Date | Nov 18, 2021 |
| Book Page | 11991/451 |
| Instrument | 2021303214 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 8 APPLE TREE LN, WINTER HAVEN, FL 33884-3401 |
| Document Number | 0108221811 |
| Instrument Date | Apr 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 09, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 8 APPLE TREE LN WINTER HAVEN FL 338843401, WINTER HAVEN, FL 33884-3401 |
| Document Number | 0108221811 |
|---|---|
| Date | Apr 26, 2019 |
| Book Page | 010822/001811 |
| Instrument | 85723 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 25, 2049 |
Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,616.00 (-20.9%) Homeowner's exemption | $165,234 (+5.99%) | $318,368 (-0.68%) Land $74,125 Building $244,243 |
| 2023 | $2,043.00 (+4.45%) Homeowner's exemption | $155,900 (+3%) | $320,563 (+18.66%) Land $71,500 Building $249,063 |
| 2022 | $1,956.00 Homeowner's exemption | $151,359 | $270,145 Land $59,500 Building $210,645 |
Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 97 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 97 in force |
| Nearby Flood Claims | 8 (2004–2022) |
| Claims Outside the SFHA | 4 of 8 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
| Wildfire Risk | High above 82% of the US · above 72% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
Based on FCC filings for 11 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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