Polk County property record for 81 Surf Dr, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,325 sqft · built 1979 |
| Lot Size | 0.149 acres (6,499 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $15,000 (Jul 2010) |
| Tax Bill | $1,265 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-17-689920-000510 |
| Primary APN | 26-29-17-689920-000510 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,325 sqft Living Area |
| 1st Floor Area | 1,133 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 6,499 sqft (0.149 acres) |
| Lot Dimensions | 100 ft deep x 65 ft wide |
| View / Lot | Commercial/Industrial |
| Porch | Florida Room |
| Porch Area | 240 sqft |
| Street Address | 81 SURF DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-5756 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | BEECH HAVEN ESTATES ADD PB 63 PG 47 LOT 51 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 17 |
| Legal Subdivision | BEECH HAVEN ESTATES ADDITION |
| Legal Tract | 689920 |
| Legal Block | 2 |
| Legal Lot Number | 51 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 14502 |
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 Company Names on Record |
|---|---|
| Mailing Address | 3225 MCLEOD DR, 777, LAS VEGAS, NV 89121-2257 |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2010 · Amount on Record |
| Deed Sale | Jul 30, 2010 · Amount on Record |
| Prior Sale | Jan 6, 2003 |
| Deed Document Number | 2010119600 |
| Deed Book / Page | 8188 / 1339 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 81 SURF DR, WINTER HAVEN, FL 33880-5756 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000306760 |
|---|---|
| Date | Nov 22, 2021 |
| Book Page | 11996/2109 |
| Instrument | 2021306760 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Nov 20, 2026 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $139,552 (+106.85%) Land $6,300 Building $133,252 | $139,552 (-1.62%) Land $6,300 Building $133,252 | |
| 2025 | $1,265.00 (-26.37%) | $67,466 (-55.17%) | $141,846 (-5.75%) Land $6,300 Building $135,546 |
| 2023 | $1,718.00 (+7.91%) | $150,494 (+10.01%) Land $6,100 Building $144,394 | $150,494 (+10.01%) Land $6,100 Building $144,394 |
| 2022 | $1,592.00 | $136,803 Land $5,100 Building $131,703 | $136,803 Land $5,100 Building $131,703 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 3 (2004–2022) |
| 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 58% of the US · lower than 68% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WAHNETA WATER SYSTEM serves 4,500 people · EPA ID FL6531917 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 122 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures