827 Channing St, Winter Haven, FL 33880 Property Records

Polk County property record for 827 Channing St, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,870 sqft · built 2022
Lot Size	0.291 acres (12,654 sqft)
Owner	2 Individual Names on File
Last Sale	$370,000 (Sep 2023)
Tax Bill	$2,868 (2025)
Deeds & Mortgages	Sep 2023 Sale Dec 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-29-02-356732-000670`

Property Details

APN / Parcel Number

Primary APN	`25-29-02-356732-000670`
Alternative APN	`022925356732000670`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,870 sqft Living Area
Gross Area	2,270 sqft
1st Floor Area	1,870 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	12,654 sqft (0.291 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Porch	Unfinished Open Porch
Porch Area	431 sqft

Location & Zoning

Street Address	827 CHANNING ST
City	WINTER HAVEN
State	FL
Zip	33880-5091
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAGE AT CRYSTAL BEACH PB 183 PGS 24-25 LOT 67
Legal Range	25E
Legal Township	29S
Legal Section	02
Legal Subdivision	VILLAGE AT CRYSTAL BEACH
Legal Block	3
Legal Lot Number	67
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	3
Census Block	3018
Census Tract	14701

Owner

827 Channing St is owned and occupied by two individuals who bought it in September 2023.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	827 CHANNING ST, WINTER HAVEN, FL 33880-5091
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2023	Warranty Deed, Transfer CONCIERGE TITLE SERVICES LLC
Dec 13, 2021	Re-recorded Document INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC
Oct 19, 2021	Warranty Deed, Construction Loan · Construction Mortgage BANK OF CENTRAL FLORIDA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2023 · Amount on File
Deed Sale	Sep 22, 2023 · Amount on File
Deed Document Number	2023224157
Deed Book / Page	12847 / 1022
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 22, 2023
Property Address	827 CHANNING ST, WINTER HAVEN, FL 33880-5091
Document Number	0000224157
Book / Page	12847 / 1022
Map Reference	MB 183 PG 24&25
Instrument Date	Sep 15, 2023
Instrument	2023224157
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	CONCIERGE TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Tax	$2,590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2357 BENEVA TER, SARASOTA, FL 34232-3629

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	827 CHANNING ST, WINTER HAVEN, FL 33880-5091

December 2021: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	POLK FL
Recording Date	Dec 13, 2021
Property Address	827 CHANNING ST, WINTER HAVEN, FL 33880-5091
Document Number	0000323221
Book / Page	12023 / 916
Map Reference	MB 183 PG 24&25
Instrument Date	Oct 13, 2021
Instrument	20210323221
Record Updated	Feb 5, 2024
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 N TENNESSEE AVE, LAKELAND, FL 33801-4933

October 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 19, 2021
Property Address	827 CHANNING ST, WINTER HAVEN, FL 33880-5091
Document Number	0000271945
Book / Page	11942 / 2206
Map Reference	MB 183G PG 24&25
Instrument Date	Oct 13, 2021
Instrument	2021271945
Transaction Type	Construction Loan
Record Updated	Feb 5, 2024
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Transaction

Amount	Amount on Record
Tax	$439.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	352 N TENNESSEE AVE, LAKELAND, FL 33801

Mortgage

Document Number	0119422207
Date	Oct 19, 2021
Instrument	11942/2207

Lender

Name	BANK OF CENTRAL FLORIDA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 827 Channing St was $2,868 with exemptions applied.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$282,262 (-2.97%) Land $60,000 Building $222,262	$282,262 (-2.97%) Land $60,000 Building $222,262
2025	$2,868.00	$290,916 Land $60,000 Building $230,916	$290,916 Land $60,000 Building $230,916
2023	$4,379.00 (+337.46%)	$287,369 (+498.69%) Land $58,000 Building $229,369	$287,369 (+498.69%) Land $58,000 Building $229,369
2022	$1,001.00	$48,000 Land $48,000	$48,000 Land $48,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 827 Channing St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 39 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	2 (2022)
Most Recent Claim	Oct 2022 · Hurricane Ian

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.

Wildfire

Wildfire risk around 827 Channing St is moderate, ranking above 42% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CENTRAL serves 13,595 people · EPA ID FL6534609
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 332 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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