Polk County property record for 861 Crosstower Dr, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,298 sqft · built 2024 |
| Lot Size | 10 acres (437,917 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,421 (2025) |
| Deeds & Mortgages | Sep 2022 Construction Loan Sep 2022 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-28-36-000000-022020 |
| Primary APN | 25-28-36-000000-022020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,298 sqft Living Area |
| Gross Area | 2,863 sqft |
| 1st Floor Area | 2,298 sqft |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 437,917 sqft |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 565 sqft |
| Porch | Finished/Open Porch |
| Street Address | 861 HIGHWAY 540 W |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THAT PT OF US LOT 5 & SEC 31 TWN 28 RNG 26 DESC AS: COMM SE COR OF US LOT 5 RUN N00-28-08E 59 FT TO POB S89-55-55W 587.77 FT TO SHORE LINE OF EAGLE LAKE N07-59-13W 81.99 FT N14-12-51W 134.08 FT N18-29-32W 89.91 FT N20-03-15W 60.09 FT N29-14-36W 80.81 |
| Legal Range | 25E |
| Legal Township | 28S |
| Legal Section | 36 |
| Legal Subdivision | ALAMEDA HEIGHTS |
| Legal Tract | 000000 |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 14701 |
861 Crosstower Dr is owned by two individuals who acquired it in September 2022.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 871 STATE ROAD 540 W, WINTER HAVEN, FL 33880-1790 |
| 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.
| Date | Document |
|---|---|
| Sep 27, 2022 | Deed of Trust, Mortgage · Construction Mortgage BANK OF CENTRAL FLORIDA |
| Sep 12, 2022 | Intrafamily Transfer, Transfer · Construction Mortgage BANK OF CENTRAL FLORIDA |
| Jan 24, 2019 | Loan Modification, Mortgage CITIZENS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 8, 2022 |
| Transfer Doc | 0000247064 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 861 US HIGHWAY 540 W, WINTER HAVEN, FL 33880 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 871 STATE ROAD 540 W, WINTER HAVEN, FL 33880-1790 |
| Document Number | 0000260602 |
|---|---|
| Date | Sep 27, 2022 |
| Book Page | 12433/1505 |
| Instrument | 2022260602 |
| Name | BANK OF CENTRAL FLORIDA |
|---|---|
| Type | Bank |
| Address | LAKELAND, FL 33813 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 12, 2022 |
| Property Address | 861 CROSSTOWER DR, WINTER HAVEN, FL 33880-1767 |
| Document Number | 0000247064 |
| Book / Page | 12415 / 1152 |
| Instrument Date | Sep 8, 2022 |
| Instrument | 2022247064 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 871 STATE ROAD 540 W, WINTER HAVEN, FL 33880-1790 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 1710 DURDEN DR, WINTER HAVEN, FL 33880-2358 |
| Document Number | 0124331505 |
|---|---|
| Date | Sep 12, 2022 |
| Instrument | 12433/1505 |
| Name | BANK OF CENTRAL FLORIDA |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | US HIGHWAY 540 W, WINTER HAVEN, FL 33880 |
| Document Number | 0107330078 |
| Instrument Date | Jan 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2019 |
| Title Company | RIDGE SECURITY TITLE INC, RIDGE SEC TITLE INC |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3601 OLD NINE FOCT RD NE WINTER HAVEN FL 33880, WINTER HAVEN, FL 33880 |
| Document Number | 0107330078 |
|---|---|
| Date | Jan 25, 2019 |
| Book Page | 010733/000078 |
| Instrument | 16361 |
| Name | CITIZENS BK |
|---|---|
| Type | Bank |
| Address | FROSTPROOF, FL 33843 |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 861 Crosstower Dr was $5,421.
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 | $414,507 (-1.14%) Land $112,067 Building $302,440 | $414,507 (-1.14%) Land $112,067 Building $302,440 | |
| 2025 | $5,421.00 | $419,303 Land $112,067 Building $307,236 | $419,303 Land $112,067 Building $307,236 |
| 2023 | $1,423.00 (+18.58%) | $108,487 (+20.03%) Land $108,487 | $108,487 (+20.03%) Land $108,487 |
| 2022 | $1,200.00 | $90,387 Land $90,387 | $90,387 Land $90,387 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 861 Crosstower Dr 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 21 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 13 (1994–2022) |
| Claims Outside the SFHA | 7 of 13 |
| Most Recent Claim | Oct 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.
Wildfire risk around 861 Crosstower Dr is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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