101 14th St SE, Winter Haven, FL 33884 Property Records

Polk County property record for 101 14th St SE, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,170 sqft · built 1951
Lot Size	0.276 acres (12,005 sqft)
Owner	Individual Name on File
Last Sale	$65,000 (Feb 1997)
Tax Bill	$1,655 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-27-592500-000390`

Property Details

APN / Parcel Number

Primary APN	`26-28-27-592500-000390`
Alternative APNs	`272826592500000390` `72826000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	2,170 sqft Living Area
Gross Area	1,848 sqft
1st Floor Area	1,496 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	12,005 sqft (0.276 acres)
Lot Dimensions	140 ft deep x 90 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	352 sqft
Pool Type	Enclosed Pool
Porch	Florida Room
Porch Area	843 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	101 14TH ST SE
City	WINTER HAVEN
State	FL
Zip	33884-1906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	ELBERT HILLS PB 13 PG 18 LOTS 39 & N1/2 OF 40
Legal Range	26E
Legal Township	28S
Legal Section	27
Legal Subdivision	ELBERT HILLS
Legal Tract	592500
Legal Block	1
Legal Lot Number	39
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1027
Census Tract	13902

Owner

101 14th St SE is owned and occupied by an individual who bought it in February 1997.

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

Owner of Record	Individual Name on File
Mailing Address	101 14TH ST SE, WINTER HAVEN, FL 33884-1906
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 1997 · Amount on File
Deed Sale	Feb 28, 1997 · Amount on File
Deed Book / Page	3802 / 2101
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	101 14TH ST SE, WINTER HAVEN, FL 33884-1906
Document Number	0113720536
Instrument Date	Aug 18, 2020
Transaction Type	Mortgage
Record Updated	Oct 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	101 14TH ST SE WINTER HAVEN FL 338841906, WINTER HAVEN, FL 33884-1906

Mortgage

Document Number	0113720536
Date	Sep 11, 2020
Book Page	011372/000536
Instrument	189478

Lender

Name	GTE FCU
Type	Credit Union
Address	TAMPA, FL 33602

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 10, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 101 14th St SE was $1,655 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		$134,104 (+2.7%)	$275,258 (+1.92%) Land $38,416 Building $236,842
2025	$1,655.00 Homeowner's exemption	$130,578	$270,063 Land $38,416 Building $231,647
2023	$1,544.00 (+3.55%) Homeowner's exemption	$123,202 (+3%)	$262,115 (+31.85%) Land $37,216 Building $224,899
2022	$1,491.00 Homeowner's exemption	$119,614	$198,798 Land $21,735 Building $177,063

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

Flood

FEMA maps place 101 14th St SE in Zone X, an area of minimal flood risk, though there have been 3 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 18 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	3 (2004–2022)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2022 · Hurricane Ian

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 101 14th St SE is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 135 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20