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976 Cambridge Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 976 Cambridge Dr, Winter Haven, FL 33881

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,818 sqft · built 2023
Lot Size0.146 acres (6,360 sqft)
Owner2 Individual Names on Record
Last Sale$336,300 (Feb 2023)
Tax Bill$3,775 (2025)
Deeds & MortgagesMay 2026 Mortgage
Feb 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-02-522103-003040

Property Details

APN / Parcel Number

Primary APN26-28-02-522103-003040
Alternative APNs
  • 022826522103003040
  • 22826000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,818 sqft Living Area
Gross Area2,238 sqft
1st Floor Area1,818 sqft

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeHip
Roof MaterialOther
Lot Area6,360 sqft (0.146 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area420 sqft
PorchFinished/Open Porch

Location & Zoning

Street Address976 CAMBRIDGE DR
CityWINTER HAVEN
StateFL
Zip33881-9740
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLUCERNE PARK RESERVE PB 176 PGS 43-49 LOT 304
Legal Range26E
Legal Township28S
Legal Section02
Legal SubdivisionLUCERNE PARK RESERVE
Legal Block2
Legal Lot Number304
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2043
Census Tract12804

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 Record2 Individual Names on Record
Mailing Address976 CAMBRIDGE DR, WINTER HAVEN, FL 33881-9740
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 13, 2026Deed of Trust, Mortgage · FHA Mortgage
MORTGAGE CONNECT
Feb 9, 2023Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 9, 2023 · Amount on Record
Deed SaleFeb 9, 2023 · Amount on Record
Deed Document Number202331334
Deed Book / Page12577 / 1981
Record UpdatedOct 29, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Recording DateMay 13, 2026
Property Address976 CAMBRIDGE DR, WINTER HAVEN, FL 33881-9740
Document Number0000114839
Book / Page13997 / 791
Instrument DateApr 13, 2026
Instrument2026114839
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyMORTGAGE CONNECT

Transferred To (Grantee/Buyer)

NameVerified Name
Address976 CAMBRIDGE DR, WINTER HAVEN, FL 33881-9740

Mortgage

Document Number0000114839,
DateMay 13, 2026
Book Page13997/791
Instrument2026114839
Lender
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term322 Months
DueMar 1, 2053
Interest
Rate6.11%
Max Rate-1%

February 2023: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionPOLK FL
Recording DateFeb 9, 2023
Property Address976 CAMBRIDGE DR, WINTER HAVEN, FL 33881-9740
Document Number0000031334
Book / Page12577 / 1981
Map ReferenceMB 176 PG 43-49
Instrument DateFeb 8, 2023
Instrument2023031334
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 5, 2024
Title CompanyCAREFREE TITLE AGENCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,354.10
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
Address976 CAMBRIDGE DR, WINTER HAVEN, FL 33881-9740

Mortgage

Document Number0125771984
DateFeb 9, 2023
Instrument12577/1984
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2053

Tax Assessment & Valuation

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$226,100 (-6.58%) Land $50,000 Building $176,100$226,100 (-6.58%) Land $50,000 Building $176,100
2025$3,775.00 (-46.4%)$242,033 (+404.24%) Land $50,000 Building $192,033$242,033 (+404.24%) Land $50,000 Building $192,033
2024$7,043.00 (+98.23%)
2023$3,553.00 (+2.63%)$48,000 (+2%) Land $48,000$48,000 (+2%) Land $48,000
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

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
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
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

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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