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957 Cambridge Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 957 Cambridge Dr, Winter Haven, FL 33881

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,849 sqft · built 2022
Lot Size0.126 acres (5,502 sqft)
Owner2 Individual Names on File
Last Sale$346,200 (Nov 2022)
Tax Bill$4,654 (2025)
Deeds & MortgagesNov 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-02-522103-002700

Property Details

APN / Parcel Number

Primary APN26-28-02-522103-002700
Alternative APNs
  • 022826522103002700
  • 22826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,849 sqft Living Area
Gross Area2,269 sqft
1st Floor Area1,849 sqft

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area5,502 sqft (0.126 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area420 sqft
PorchFinished/Open Porch

Location & Zoning

Street Address957 CAMBRIDGE DR
CityWINTER HAVEN
StateFL
Zip33881-9740
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLUCERNE PARK RESERVE PB 176 PGS 43-49 LOT 270
Legal Range26E
Legal Township28S
Legal Section02
Legal SubdivisionLUCERNE PARK RESERVE
Legal Block2
Legal Lot Number270
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2043
Census Tract12804

Owner

957 Cambridge Dr is owned and occupied by two individuals who bought it in November 2022.

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

Owner of Record2 Individual Names on File
Mailing Address957 CAMBRIDGE DR, WINTER HAVEN, FL 33881-9740
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 1, 2022 · Amount on File
Deed SaleNov 1, 2022 · Amount on File
Deed Document Number2022286614
Deed Book / Page12469 / 1038
Record UpdatedOct 29, 2026

November 2022: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionPOLK FL
Recording DateNov 1, 2022
Property Address957 CAMBRIDGE DR, WINTER HAVEN, FL 33881-9740
Document Number0000286614
Book / Page12469 / 1038
Map ReferenceMB 176 PG 43-49
Instrument DateOct 27, 2022
Instrument2022286614
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 5, 2024
Title CompanyCAREFREE TITLE AGENCY INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,423.40
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5337 MILLENIA LAKES BLVD STE 410, 410, ORLANDO, FL 32839-6302

Transferred To (Grantee/Buyer)

NameVerified Name
Address957 CAMBRIDGE DR, WINTER HAVEN, FL 33881-9740

Mortgage

Document Number0124691041
DateNov 1, 2022
Instrument12469/1041
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueNov 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 957 Cambridge Dr was $4,654.

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$228,516 (-6.61%) Land $50,000 Building $178,516$228,516 (-6.61%) Land $50,000 Building $178,516
2025$4,654.00$244,680 Land $50,000 Building $194,680$244,680 Land $50,000 Building $194,680
2023$7,772.00 (+124.49%)$263,899 (+559.75%) Land $48,000 Building $215,899$263,899 (+559.75%) Land $48,000 Building $215,899
2022$3,462.00$40,000 Land $40,000$40,000 Land $40,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 957 Cambridge Dr in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2004.

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 20 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies20 in force
Nearby Flood Claims7 (2004–2023)
Claims Outside the SFHA1 of 7
Most Recent ClaimApr 2023 · rainfall accumulation
Claims by Event
  • Hurricane Frances, Sep 2004 · 3 claims
  • Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 claims

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 957 Cambridge Dr is moderate, ranking above 43% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire RiskModerate
above 43% of the US · lower than 85% of Florida
Wildfire Likelihood0.08% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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 53 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 35

May also be available: Verizon.

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