Polk County property record for 81 Lake Ring Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,824 sqft · built 2019 |
| Lot Size | 0.231 acres (10,049 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $211,116 (May 2019) |
| Tax Bill | $1,969 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Oct 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-34-662000-000901 |
| Primary APN | 26-28-34-662000-000901 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,824 sqft Living Area |
| Gross Area | 2,448 sqft |
| 1st Floor Area | 1,824 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 10,049 sqft (0.231 acres) |
| Lot Dimensions | 130 ft deep x 68 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Porch | Florida Room |
| Porch Area | 219 sqft |
| Street Address | 81 LAKE RING DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-1422 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ELOISE WOODS LAKE MARIAM UNIT PB 17 PG 49 49A 49B LOT 90 LESS W 7.5 FT |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 34 |
| Legal Subdivision | ELOISE WOODS LAKE MARIAM UNIT |
| Legal Block | 2 |
| Legal Lot Number | 90 |
| Legal Unit | PB |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 13902 |
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 | 81 LAKE RING DR, WINTER HAVEN, FL 33884-1422 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Oct 14, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| May 21, 2019 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage FBC MTG |
| May 17, 2019 | Deed of Trust, Mortgage · FHA Mortgage FBC MTG |
| Feb 14, 2020 | Correction Deed, Subdivision Related Transfer INSURED R/E TITLE SERVICES, INSURED R/E TITLE SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 21, 2019 · Amount on Record |
| Deed Sale | May 21, 2019 · Amount on Record |
| Deed Document Number | 2019104264 |
| Deed Book / Page | 10848 / 623 |
| Last Transfer Date | Feb 13, 2020 |
| Transfer Doc | 0000034554 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 81 LAKE RING DR, WINTER HAVEN, FL 33884-1422 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 81 LAKE RING DR, WINTER HAVEN, FL 33884-1422 |
| Document Number | 0000324021 |
|---|---|
| Date | Dec 14, 2021 |
| Book Page | 12024/1716 |
| Instrument | 20210324021 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 81 LAKE RING DR, WINTER HAVEN, FL 33884-1422 |
| Document Number | 0114242078 |
| Instrument Date | Oct 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 81 LAKE RING DR WINTER HAVEN FL 338841422, WINTER HAVEN, FL 33884-1422 |
| Document Number | 0114242078 |
|---|---|
| Date | Oct 22, 2020 |
| Book Page | 011424/002078 |
| Instrument | 224255 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 21, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 21, 2019 |
| Property Address | 81 LAKE RING DR, WINTER HAVEN, FL 33884-1422 |
| Document Number | 0108480623 |
| Book / Page | 010848 / 000623 |
| Instrument Date | May 17, 2019 |
| Instrument | 104264 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 10, 2019 |
| Title Company | INSURED R/E TITLE SERVICES, INSURED R/E TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,478.40 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 81 LAKE RING DR WINTER HAVEN FL 338841422, WINTER HAVEN, FL 33884-1422 |
| Document Number | 108480624 |
|---|---|
| Date | May 21, 2019 |
| Book Page | 010848/000624 |
| Instrument | 104265 |
| Name | FBC MTG |
|---|---|
| Type | Mortgage Company |
| Address | ORLANDO, FL 32801 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 20, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 81 LAKE RING DR, WINTER HAVEN, FL 33884-1422 |
| Document Number | 0111402271 |
| Instrument Date | May 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2020 |
| Title Company | INSURED TITLE SERVICES, INSURED TITLE SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 702 CANBERRA RD WINTER HAVEN FL 338841208, WINTER HAVEN, FL 33884-1208 |
| Document Number | 0111402271 |
|---|---|
| Date | Feb 14, 2020 |
| Book Page | 011140/002271 |
| Instrument | 34555 |
| Name | FBC MTG |
|---|---|
| Type | Mortgage Company |
| Address | ORLANDO, FL 32801 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 13, 2050 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 14, 2020 |
| Property Address | 81 LAKE RING DR, WINTER HAVEN, FL 33884-1422 |
| Document Number | 0111402269 |
| Book / Page | 011140 / 002269 |
| Instrument Date | May 17, 2019 |
| Instrument | 34553 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 4, 2020 |
| Title Company | INSURED R/E TITLE SERVICES, INSURED R/E TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,478.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 81 LAKE RING DR WINTER HAVEN FL 338841422, WINTER HAVEN, FL 33884-1422 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $194,178 (+2.7%) | $262,267 (+1.69%) Land $40,197 Building $222,070 | |
| 2025 | $1,969.00 (-15.89%) Homeowner's exemption | $189,073 (+5.99%) | $257,899 (-8.41%) Land $38,187 Building $219,712 |
| 2023 | $2,341.00 (+3.17%) Homeowner's exemption | $178,392 (+3%) | $281,583 (+7.59%) Land $37,182 Building $244,401 |
| 2022 | $2,269.00 Homeowner's exemption | $173,196 | $261,716 Land $31,153 Building $230,563 |
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 25 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 25 in force |
| Nearby Flood Claims | 2 (2004) |
| Most Recent Claim | Sep 2004 · Hurricane Frances |
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 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% 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 308 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 |
| Verizon Fixed Wireless | 300 / 20 |
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