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

Polk County property record for 956 Gotthard Pass Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,096 sqft · built 2021
Lot Size	0.155 acres (6,747 sqft)
Owner	Individual Name on File
Last Sale	$330,625 (Dec 2021)
Tax Bill	$5,043 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522104-000120`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522104-000120`
Alternative APN	`022826522104000120`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,096 sqft Living Area
Gross Area	3,516 sqft
1st Floor Area	1,328 sqft
Upper Floors Area	1,768 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Stucco
Construction Type	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	Finished/Open Porch
Porch Area	20 sqft
Shed	1 Shed

Location & Zoning

Street Address	956 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 12
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LAKE LUCERNE PHASE 5
Legal Phase	5
Legal Block	2
Legal Lot Number	12
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2026
Census Tract	12803

Owner

956 Gotthard Pass Dr is owned and occupied by an individual who bought it in December 2021.

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

Owner of Record	Individual Name on File
Mailing Address	956 GOTTHARD PASS DR, WINTER HAVEN, FL 33881-9420
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2025	Deed of Trust, Mortgage · Line of Credit UPSTART MORTGAGE LLC
Dec 8, 2021	Special Warranty Deed, Transfer · FHA Mortgage KBHS HOME LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2021 · Amount on File
Deed Sale	Dec 8, 2021 · Amount on File
Deed Document Number	2021318991
Deed Book / Page	12016 / 1629
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	956 GOTTHARD PASS DR, WINTER HAVEN, FL 33881-9420
Transaction Type	Mortgage
Record Updated	Oct 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	956 GOTTHARD PASS DR, WINTER HAVEN, FL 33881-9420

Mortgage

Document Number	0000235104
Date	Oct 7, 2025
Book Page	13726/1748
Instrument	2025235104

Lender

Name	UPSTART MORTGAGE LLC
Type	Mortgage Company
Address	SAN MATEO, CA 94403

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Sep 25, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 8, 2021
Property Address	956 GOTTHARD PASS DR, WINTER HAVEN, FL 33881-9420
Document Number	0000318991
Book / Page	12016 / 1629
Map Reference	MB 180 PG 35
Instrument Date	Dec 1, 2021
Instrument	20210318991
Transaction Type	Transfer
Record Updated	Feb 23, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,314.90
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	956 GOTTHARD PASS DR, WINTER HAVEN, FL 33881-9420

Mortgage

Document Number	0120161631
Date	Dec 8, 2021
Instrument	12016/1631

Lender

Name	KBHS HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 956 Gotthard Pass Dr was $5,043 with a homeowner's exemption.

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		$313,919 (+1.69%) Land $50,000 Building $263,919	$313,919 (-4.8%) Land $50,000 Building $263,919
2025	$5,043.00 Homeowner's exemption	$308,703	$329,738 Land $50,000 Building $279,738
2023	$4,762.00 (+2.54%) Homeowner's exemption	$290,294 (+3%)	$350,509 (+24.36%) Land $48,000 Building $302,509
2022	$4,644.00 Homeowner's exemption	$281,839 Land $40,000 Building $241,839	$281,839 Land $40,000 Building $241,839

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

Flood

FEMA maps place 956 Gotthard Pass Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 956 Gotthard Pass Dr is moderate, ranking above 69% of the US, with a 0.3% annual chance of 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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