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1005 State Rd 540 W, Winter Haven, FL 33880 Property Records

Polk County property record for 1005 State Rd 540 W, Winter Haven, FL 33880 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 3,049 sqft · built 1972
Lot Size4.01 acres (174,972 sqft)
Owner2 Individual Names on File
Last Sale$270,000 (Nov 2010)
Tax Bill$2,551 (2025)
Deeds & MortgagesNov 2017 Line of Credit
Flood ZoneZone X (minimal risk)
APN25-28-36-000000-021030

Property Details

APN / Parcel Number

Primary APN25-28-36-000000-021030
Alternative APNs
  • 362825000000021030
  • 62825000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area3,049 sqft Living Area
Gross Area2,935 sqft
1st Floor Area2,461 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1972
Effective Year BuiltEffective 1972
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeGable
Roof MaterialOther
Lot Area174,972 sqft
Lot Dimensions200 ft deep x 121 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area474 sqft

Exterior Amenities

Pool Area450 sqft
PorchFinished/Open Porch
Porch Area77 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address1005 HIGHWAY 540 W
CityWINTER HAVEN
StateFL
Zip33880
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBEG NE COR U S GOV LOT 1 RUN W 339PT8 FT TO POB RUN E 260PT8 FT S 630PT67 FT S 24 DEG 34 MIN W 424 FT TO WATERS EAGLE LK NWLY ALONG LK 100 FT TO INTER LINE S FROM POB N 980 FT TO POB LESS N 50 FT FOR ST RD S 540 & LESS ADD R/W AS DESC IN OR 3682-152
Legal Range25E
Legal Township28S
Legal Section36
Legal SubdivisionALAMEDA HEIGHTS
Legal Tract000000
Legal Block1
Legal Lot Number1
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group1
Census Block1011
Census Tract14701

Owner

Source: Polk County records · APN 25-28-36-000000-021030

Assessment roll updated June 23, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address1005 STATE ROAD 540 W, WINTER HAVEN, FL 33880-1758
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 17, 2010 · Amount on Record
Deed SaleNov 17, 2010 · Amount on Record
Deed Document Number2010182874
Deed Book / Page8261 / 427
Record UpdatedSep 20, 2026

November 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address1005 STATE ROAD 540 W, WINTER HAVEN, FL 33880-1758
Document Number0103141201
Instrument DateNov 01, 2017
Transaction TypeMortgage
Record UpdatedAug 28, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1005 STATE ROAD 540 W WINTER HAVEN FL 338801758, WINTER HAVEN, FL 33880-1758

Mortgage

Document Number0103141201
DateNov 14, 2017
Book Page010314/001201
Instrument218732
Lender
NameCITIZENS BK
TypeBank
AddressFROSTPROOF, FL 33843
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,551.00 (-14.28%) Homeowner's exemption$237,529 (+5.99%)$429,769 (-1.6%) Land $53,624 Building $376,145
2023$2,976.00 (+3.05%) Homeowner's exemption$224,112 (+3%)$436,738 (+28.04%) Land $51,966 Building $384,772
2022$2,888.00 Homeowner's exemption$217,584$341,101 Land $43,422 Building $297,679

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050147011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 21 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies21 in force
Nearby Flood Claims13 (1994–2022)
Claims Outside the SFHA7 of 13
Most Recent ClaimOct 2022, rainfall accumulation, Hurricane Ian
Claims By Storm
  • Hurricane Frances, Sep 2004 · 2 claims
  • Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 5 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 18 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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