862 Channing St, Winter Haven, FL 33880 Property Records

Polk County property record for 862 Channing St, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,694 sqft · built 2022
Lot Size	0.32 acres (13,948 sqft)
Owner	2 Individual Names on Record
Last Sale	$449,100 (Oct 2022)
Tax Bill	$4,650 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-29-02-356732-000170`

Property Details

APN / Parcel Number

Primary APN	`25-29-02-356732-000170`
Alternative APN	`022925356732000170`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,694 sqft Living Area
Gross Area	3,134 sqft
1st Floor Area	2,694 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	13,948 sqft (0.32 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	440 sqft
Porch	Screened/Unfinished Porch
Porch Area	50 sqft

Location & Zoning

Street Address	862 CHANNING ST
City	WINTER HAVEN
State	FL
Zip	33880-5093
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAGE AT CRYSTAL BEACH PB 183 PGS 24-25 LOT 17
Legal Range	25E
Legal Township	29S
Legal Section	02
Legal Subdivision	VILLAGE AT CRYSTAL BEACH
Legal Block	3
Legal Lot Number	17
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	3
Census Block	3018
Census Tract	14701

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	2 Individual Names on Record
Mailing Address	862 CHANNING ST, WINTER HAVEN, FL 33880-5093
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2025	Deed of Trust, Mortgage · VA Mortgage PLANET HOME LENDING LLC
Oct 25, 2022	Warranty Deed, Subdivision Related Transfer · VA Mortgage HOME SOLUTION LENDERS INC
Apr 28, 2022	Warranty Deed, Transfer INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2022 · Amount on Record
Deed Sale	Oct 25, 2022 · Amount on Record
Prior Sale	Apr 28, 2022 · Amount on Record
Deed Document Number	2022281243
Deed Book / Page	12461 / 1581
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	862 CHANNING ST, WINTER HAVEN, FL 33880-5093
Transaction Type	Mortgage
Record Updated	Nov 21, 2025
Title Company	SOURCEPOINT TITLE SVCS, SOURCEPOINT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 CHANNING ST, WINTER HAVEN, FL 33880-5093

Mortgage

Document Number	0000262088
Date	Nov 5, 2025
Book Page	13767/29
Instrument	2025262088

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

October 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 25, 2022
Property Address	862 CHANNING ST, WINTER HAVEN, FL 33880-5093
Document Number	0000281243
Book / Page	12461 / 1581
Map Reference	MB 183 PG 24&25
Instrument Date	Oct 19, 2022
Instrument	2022281243
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 5, 2024
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,143.70
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	862 CHANNING ST, WINTER HAVEN, FL 33880-5093

Mortgage

Document Number	0124611582
Date	Oct 25, 2022
Instrument	12461/1582

Lender

Name	HOME SOLUTION LENDERS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 28, 2022
Property Address	862 CHANNING ST, WINTER HAVEN, FL 33880-5093
Document Number	0000115276
Book / Page	12229 / 1012
Map Reference	MB 183 PG 24&25
Instrument Date	Apr 27, 2022
Instrument	2022115276
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Transaction

Amount	Amount Recorded
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	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

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		$386,916 (-3.25%) Land $60,000 Building $326,916	$386,916 (-3.25%) Land $60,000 Building $326,916
2025	$4,650.00 (-16.53%)	$399,893 (+0.95%) Land $60,000 Building $339,893	$399,893 (+0.95%) Land $60,000 Building $339,893
2024	$5,571.00 (+4.62%)
2023	$5,325.00 (+735.95%) Homeowner's exemption	$396,120 (+725.25%) Land $58,000 Building $338,120	$396,120 (+725.25%) Land $58,000 Building $338,120
2022	$637.00	$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

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
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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	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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