938 Deming Dr, Winter Haven, FL 33880 Property Records

Polk County property record for 938 Deming Dr, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,809 sqft · built 2007
Lot Size	0.207 acres (8,999 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Jun 2019)
Tax Bill	$1,747 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Apr 2021 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25-29-02-356729-000220`

Property Details

APN / Parcel Number

Primary APN	`25-29-02-356729-000220`
Alternative APNs	`022925356729000220` `22925000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,809 sqft Living Area
Gross Area	2,189 sqft
1st Floor Area	1,809 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	8,999 sqft (0.207 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	380 sqft
Porch	Unfinished Open Porch

Location & Zoning

Street Address	938 DEMING DR
City	WINTER HAVEN
State	FL
Zip	33880-1944
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUN RIDGE VILLAGE WEST PLAT BOOK 131 PGS 19 & 20 LOT 22
Legal Range	25E
Legal Township	29S
Legal Section	02
Legal Subdivision	SUN RIDGE VILLAGE WEST
Legal Tract	356729
Legal Block	2
Legal Lot Number	22
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2023
Census Tract	14704

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	938 DEMING DR, WINTER HAVEN, FL 33880-1944
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2022	Deed of Trust, Mortgage · FHA Mortgage RP FUNDING INC
Apr 29, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AMERIFIRST FINANCIAL CORP
Jun 12, 2020	Loan Modification, Mortgage · Conventional with PMI AMERIFIRST FIN'L CORP
Apr 13, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERIFIRST FIN'L CORP
Jun 7, 2019	Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FIN'L CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2019 · Amount on Record
Deed Sale	Jun 7, 2019 · Amount on Record
Prior Sale	Apr 18, 2007 · Amount on Record
Deed Document Number	2019117994
Deed Book / Page	10867 / 792
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	938 DEMING DR, WINTER HAVEN, FL 33880-1944
Transaction Type	Mortgage
Record Updated	Mar 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	938 DEMING DR, WINTER HAVEN, FL 33880-1944

Mortgage

Document Number	0000065017
Date	Mar 10, 2022
Book Page	12154/2130
Instrument	2022065017

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	938 DEMING DR, WINTER HAVEN, FL 33880-1944
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	938 DEMING DR, WINTER HAVEN, FL 33880-1944

Mortgage

Document Number	0000110908
Date	Apr 29, 2021
Book Page	11692/1822
Instrument	2021110908

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	349 Months
Due	May 1, 2050

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	938 DEMING DR, WINTER HAVEN, FL 33880-1944
Document Number	0112671667
Instrument Date	Jun 12, 2020
Transaction Type	Mortgage
Record Updated	Jul 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	938 DEMING DR WINTER HAVEN FL 338801944, WINTER HAVEN, FL 33880-1944

Mortgage

Document Number	0112671667
Date	Jun 16, 2020
Book Page	011267/001667
Instrument	119867

Lender

Name	AMERIFIRST FIN'L CORP
Address	PORTAGE, MI 49002

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 15, 2050

Interest

Rate Type	Fixed Rate
Rate	3.12%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	938 DEMING DR, WINTER HAVEN, FL 33880-1944
Document Number	0112110339
Instrument Date	Apr 13, 2020
Transaction Type	Mortgage
Record Updated	Jul 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	705 SW 12TH ST FLORIDA CITY FL 330344620, FLORIDA CITY, FL 33034-4620

Mortgage

Document Number	0112110339
Date	Apr 20, 2020
Book Page	011211/000339
Instrument	82280

Lender

Name	AMERIFIRST FIN'L CORP
Address	KALAMAZOO, MI 49002

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 19, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 7, 2019
Property Address	938 DEMING DR, WINTER HAVEN, FL 33880-1944
Document Number	0108670792
Book / Page	010867 / 000792
Instrument Date	Jun 5, 2019
Instrument	117994
Transaction Type	Transfer
Record Updated	Jun 26, 2019
Title Company	EQUITY TITLE COMPANY, EQUITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	938 DEMING DR WINTER HAVEN FL 338801944, WINTER HAVEN, FL 33880-1944

Mortgage

Document Number	108670794
Date	Jun 7, 2019
Book Page	010867/000794
Instrument	117995

Lender

Name	AMERIFIRST FIN'L CORP
Address	PORTAGE, MI 49002

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 6, 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		$180,104 (+2.7%)	$218,964 (-2.68%) Land $33,000 Building $185,964
2025	$1,747.00 (-20.95%) Homeowner's exemption	$175,369 (+5.99%)	$224,991 (+1.37%) Land $33,000 Building $191,991
2023	$2,210.00 (+4.39%) Homeowner's exemption	$165,463 (+3%)	$221,953 (-2.05%) Land $32,000 Building $189,953
2022	$2,117.00 Homeowner's exemption	$160,644	$226,604 Land $27,000 Building $199,604

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	6 in force

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	Moderate above 51% of the US · lower than 78% 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.

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 374 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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