1010 4th St SE, Winter Haven, FL 33880 Property Records

Polk County property record for 1010 4th St SE, Winter Haven, FL 33880

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 4,848 sqft · built 1984
Lot Size	0.367 acres (15,995 sqft)
Owner	Company Name on Record
Last Sale	$555,000 (Mar 2026)
Tax Bill	$7,793 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Feb 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-28-612500-003110`

Property Details

APN / Parcel Number

Primary APN	`26-28-28-612500-003110`
Alternative APNs	`282826612500003110` `82826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Units	2 Units
Stories	1 Story
Building Area	4,848 sqft Living Area
1st Floor Area	4,848 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1991
Architectural Style	Duplex Single
Lot Area	15,995 sqft (0.367 acres)
Lot Dimensions	144 ft deep x 110 ft wide
View / Lot	Duplex
Canopy	96 sqft
Total Buildings	2 Buildings

Location & Zoning

Street Address	1010 4TH ST SE
City	WINTER HAVEN
State	FL
Zip	33880-4100
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	PINE CREST HEIGHTS PB 13 PG 31 BLK C LOTS 11 & 12
Legal Subdivision	PINE CREST HEIGHTS
Legal Tract	612500
Legal Block	C
Legal Lot Number	11,12
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2044
Census Tract	13901

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 Record	Company Name on Record
Mailing Address	17301 BISCAYNE BLVD, 1203, AVENTURA, FL 33160-5072
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2026	Warranty Deed, Transfer · Conventional Mortgage CLEAREDGE LENDING LLC
Feb 25, 2026	Warranty Deed, Transfer · Balloon Mortgage IO LENDING LLC
Aug 17, 2022	ACCOMODATION, ACCOMMODATION
Mar 3, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERICAN BANCSHARES MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2026 · Amount on Record
Deed Sale	Mar 20, 2026 · Amount on Record
Prior Sale	Feb 25, 2026 · Amount on Record
Deed Document Number	202667379
Deed Book / Page	13925 / 2025
Prior Transfer Date	Jul 11, 2022
Prior Transfer Doc	0000223781
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 20, 2026
Property Address	1010 4TH ST SE, WINTER HAVEN, FL 33880-4100
Document Number	0000067379
Book / Page	13925 / 2025
Map Reference	MB 13 PG 31
Instrument Date	Mar 10, 2026
Instrument	2026067379
Transaction Type	Transfer
Record Updated	Apr 1, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,885.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	42 E SMITH ST, WINTER GARDEN, FL 34787-3572

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17301 BISCAYNE BLVD APT 1203, 1203, AVENTURA, FL 33160-5072

Mortgage

Document Number	0139252027
Date	Mar 20, 2026
Instrument	13925/2027

Lender

Name	CLEAREDGE LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 25, 2026
Property Address	1010 4TH ST SE, WINTER HAVEN, FL 33880-4100
Document Number	0000046164
Book / Page	13894 / 1699
Map Reference	MB 13 PG 31
Instrument Date	Feb 23, 2026
Instrument	2026046164
Transaction Type	Transfer
Record Updated	Mar 12, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,535.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3272 LAKE BUFFUM RD W, FORT MEADE, FL 33841-9582

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 E SMITH ST, WINTER GARDEN, FL 34787-3572
Investor	Possibly a Property Investor

Mortgage

Document Number	0138941701
Date	Feb 25, 2026
Instrument	13894/1701

Lender

Name	IO LENDING LLC
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

August 2022:

Jurisdiction	POLK FL
Recording Date	Aug 17, 2022
Property Address	1010 4TH ST SE, WINTER HAVEN, FL 33880-4100
Document Number	0000223781
Book / Page	12383 / 56
Map Reference	MB 13 PG 31
Instrument Date	Jul 11, 2022
Instrument	2022223781
Record Updated	Mar 6, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 452, DUNDEE, FL 33838-0452

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 452, DUNDEE, FL 33838-0452

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 3, 2017
Property Address	1010 4TH ST SE, WINTER HAVEN, FL 33880-4100
Document Number	0100810220
Book / Page	010081 / 000220
Instrument Date	Mar 1, 2017
Instrument	41816
Transaction Type	Transfer
Record Updated	Jun 20, 2017
Title Company	MTI TITLE INSURANCE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 PALEO POINT CT WINTER HAVEN FL 338801631, WINTER HAVEN, FL 33880-1631

Mortgage

Document Number	100810222
Date	Mar 3, 2017
Book Page	010081/000222
Instrument	41817

Lender

Name	AMERICAN BANCSHARES MTG
Type	Bank
Address	MIAMI LAKES, FL 33016

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2047

Tax Assessment & Valuation

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		$424,071 (+1%)	$432,432 (-8.45%) Land $25,000 Building $267,241
2025	$7,793.00 (+14.4%)	$385,519 (+21%)	$472,368 (+48.26%) Land $25,000 Building $273,623
2024	$6,812.00 (+11.04%)
2023	$6,135.00	$318,611 Land $24,000 Building $294,611	$318,611 Land $24,000 Building $294,611

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

Flood

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Frontier, Verizon.

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