952 Gotthard Pass Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 952 Gotthard Pass Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,004 sqft · built 2021
Lot Size	0.155 acres (6,747 sqft)
Owner	2 Individual Names on Record
Last Sale	$272,637 (Oct 2021)
Tax Bill	$4,258 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522104-000130`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522104-000130`
Alternative APN	`022826522104000130`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,004 sqft Living Area
Gross Area	2,424 sqft
1st Floor Area	2,004 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	6,747 sqft (0.155 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Screened/Unfinished Porch
Porch Area	30 sqft

Location & Zoning

Street Address	952 GOTTHARD PASS DR
City	WINTER HAVEN
State	FL
Zip	33881-9420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE LUCERNE PHASE 5 PB 180 PGS 35-40 LOT 13
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LAKE LUCERNE PHASE 5
Legal Phase	5
Legal Block	2
Legal Lot Number	13
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2026
Census Tract	12803

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	952 GOTTHARD PASS DR, WINTER HAVEN, FL 33881-9420
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 29, 2021	Special Warranty Deed, Transfer · FHA Mortgage KBHS HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2021 · Amount on Record
Deed Sale	Oct 29, 2021 · Amount on Record
Deed Document Number	2021282375
Deed Book / Page	11959 / 461
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	952 GOTTHARD PASS DR, WINTER HAVEN, FL 33881-9420
Transaction Type	Mortgage
Record Updated	Aug 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	952 GOTTHARD PASS DR, WINTER HAVEN, FL 33881-9420

Mortgage

Document Number	0000182321
Date	Aug 4, 2023
Book Page	12789/1050
Instrument	2023182321

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Aug 1, 2063

October 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 29, 2021
Property Address	952 GOTTHARD PASS DR, WINTER HAVEN, FL 33881-9420
Document Number	0000282375
Book / Page	11959 / 461
Map Reference	MB 180 PG 35
Instrument Date	Oct 25, 2021
Instrument	2021282375
Transaction Type	Transfer
Record Updated	Feb 23, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,908.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	952 GOTTHARD PASS DR, WINTER HAVEN, FL 33881-9420

Mortgage

Document Number	0011959463
Date	Oct 29, 2021
Instrument	11959/463

Lender

Name	KBHS HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$245,578 (-8.18%) Land $50,000 Building $195,578	$245,578 (-8.18%) Land $50,000 Building $195,578
2025	$4,258.00 (-0.75%) Homeowner's exemption	$267,443 (+0.63%) Land $50,000 Building $217,443	$267,443 (-7.3%) Land $50,000 Building $217,443
2023	$4,290.00 (+2.61%) Homeowner's exemption	$265,767 (+3%)	$288,504 (+11.81%) Land $48,000 Building $240,504
2022	$4,181.00 Homeowner's exemption	$258,026 Land $40,000 Building $218,026	$258,026 Land $40,000 Building $218,026

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	8 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 69% of the US · above 49% of Florida
Wildfire Likelihood	0.3% 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	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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Frontier, Verizon.

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