85 Lake Ring Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 85 Lake Ring Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,824 sqft · built 2019
Lot Size	0.25 acres (10,881 sqft)
Owner	Company Name on Record
Last Sale	$280,990 (Apr 2019)
Tax Bill	$2,215 (2025)
Deeds & Mortgages	Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-34-662000-000890`

Property Details

APN / Parcel Number

Primary APN	`26-28-34-662000-000890`
Alternative APNs	`342826662000000890` `42826000`

Interior

Bedrooms	3 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

Exterior

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	10,881 sqft (0.25 acres)
Lot Dimensions	145 ft deep x 75 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	440 sqft
Porch	Florida Room
Porch Area	219 sqft

Location & Zoning

Street Address	85 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 89
Legal Range	26E
Legal Township	28S
Legal Section	34
Legal Subdivision	ELOISE WOODS LAKE MARIAM UNIT
Legal Block	2
Legal Lot Number	89
Legal Unit	PB
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2031
Census Tract	13902

Owner

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	85 LAKE RING DR, WINTER HAVEN, FL 33884-1422
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2019 · Amount on Record
Deed Sale	Apr 25, 2019 · Amount on Record
Deed Document Number	201984105
Deed Book / Page	10820 / 1659
Record Updated	Oct 29, 2026

April 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 25, 2019
Property Address	85 LAKE RING DR, WINTER HAVEN, FL 33884-1422
Document Number	0108201659
Book / Page	010820 / 001659
Instrument Date	Apr 18, 2019
Instrument	84105
Transaction Type	Subdivision Related Transfer
Record Updated	May 18, 2019
Title Company	INSURED R/E TITLE SERVICES, INSURED R/E TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,463.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 LAKE RING DR WINTER HAVEN FL 338841422, WINTER HAVEN, FL 33884-1422

Mortgage

Document Number	108201660
Date	Apr 25, 2019
Book Page	010820/001660
Instrument	84106

Lender

Name	HOME SOLUTION LENDERS
Type	Funding / Finance Company
Address	BARTOW, FL 33830

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 24, 2049

Tax Assessment & Valuation

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		$213,227 (+2.7%)	$259,595 (-0.56%) Land $43,525 Building $216,070
2025	$2,215.00 (-14.05%) Homeowner's exemption	$207,621 (+5.99%)	$261,061 (-8.29%) Land $41,349 Building $219,712
2023	$2,577.00 (+3.04%) Homeowner's exemption	$195,893 (+3%)	$284,662 (+7.71%) Land $40,261 Building $244,401
2022	$2,501.00 Homeowner's exemption	$190,187	$264,295 Land $33,732 Building $230,563

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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