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984 Cambridge Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 984 Cambridge Dr, Winter Haven, FL 33881

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 1,978 sqft · built 2023
Lot Size0.147 acres (6,382 sqft)
OwnerIndividual Name on Record
Last Sale$349,600 (Jul 2023)
Tax Bill$4,838 (2025)
Deeds & MortgagesJul 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-02-522103-003020

Property Details

APN / Parcel Number

Primary APN26-28-02-522103-003020
Alternative APNs
  • 022826522103003020
  • 22826000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area1,978 sqft Living Area
Gross Area2,398 sqft
1st Floor Area1,978 sqft

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeHip
Roof MaterialOther
Lot Area6,382 sqft (0.147 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area420 sqft
PorchFinished/Open Porch

Location & Zoning

Street Address984 CAMBRIDGE DR
CityWINTER HAVEN
StateFL
Zip33881-9740
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLUCERNE PARK RESERVE PB 176 PGS 43-49 LOT 302
Legal Range26E
Legal Township28S
Legal Section02
Legal SubdivisionLUCERNE PARK RESERVE
Legal Block2
Legal Lot Number302
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 shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address984 CAMBRIDGE DR, WINTER HAVEN, FL 33881-9740
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 7, 2023 · Amount on Record
Deed SaleJul 7, 2023 · Amount on Record
Deed Document Number2023158348
Deed Book / Page12754 / 2060
Record UpdatedOct 29, 2026

July 2023: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionPOLK FL
Recording DateJul 7, 2023
Property Address984 CAMBRIDGE DR, WINTER HAVEN, FL 33881-9740
Document Number0000158348
Book / Page12754 / 2060
Map ReferenceMB 176 PG 43-49
Instrument DateJun 29, 2023
Instrument2023158348
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$2,447.20
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5337 MILLENIA LAKES BLVD, ORLANDO, FL 32839-6300

Transferred To (Grantee/Buyer)

NameVerified Name
Address984 CAMBRIDGE DR, WINTER HAVEN, FL 33881-9740
InvestorPossibly a Property Investor

Mortgage

Document Number0127542063
DateJul 7, 2023
Instrument12754/2063
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 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$237,348 (-6.68%) Land $50,000 Building $187,348$237,348 (-6.68%) Land $50,000 Building $187,348
2025$4,838.00 (+36.17%)$254,349 (+429.89%) Land $50,000 Building $204,349$254,349 (+429.89%) Land $50,000 Building $204,349
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 57% of the US · lower than 70% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 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 508 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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