Polk County property record for 104 Beach Dr, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,156 sqft · built 1960 |
| Lot Size | 0.167 acres (7,279 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $220,000 (Jan 2024) |
| Tax Bill | $1,580 (2025) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-08-528700-000540 |
| Primary APN | 26-28-08-528700-000540 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,156 sqft Living Area |
| 1st Floor Area | 916 sqft |
| Flooring | Terrazzo |
| Interior Walls | Wood |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Tar & Gravel |
| Lot Area | 7,279 sqft (0.167 acres) |
| Lot Dimensions | 104 ft deep x 70 ft wide |
| View / Lot | Commercial/Industrial |
| Porch | Florida Room |
| Porch Area | 284 sqft |
| Utility Building | 80 sqft |
| Cooling System | Central |
|---|
| Street Address | 104 BEACH DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33881-9614 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CAREFREE COVE PB 43 PG 19 LOT 54 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 08 |
| Legal Subdivision | CAREFREE COVE |
| Legal Tract | 528700 |
| Legal Block | 1 |
| Legal Lot Number | 54 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 13601 |
Source: Polk County records · APN 26-28-08-528700-000540
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 104 BEACH DR, WINTER HAVEN, FL 33881-9614 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 09, 2024 | Warranty Deed, Transfer · FHA Mortgage NFM INC |
| Aug 30, 2019 | Deed of Trust, Mortgage TEXAS BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 09, 2024 · Amount on Record |
| Deed Sale | Jan 09, 2024 · Amount on Record |
| Prior Sale | Dec 08, 2004 · Amount on Record |
| Deed Document Number | 20245499 |
| Deed Book / Page | 12966 / 1697 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 09, 2024 |
| Property Address | 104 BEACH DR, WINTER HAVEN, FL 33881-9614 |
| Document Number | 0000005499 |
| Book / Page | 12966 / 1697 |
| Map Reference | MB 43 PG 19 |
| Instrument Date | Jan 05, 2024 |
| Instrument | 2024005499 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2024 |
| Title Company | RIDGE SECURITY TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,540.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2447 ERIKSON PARK ST, AUBURNDALE, FL 33823-5452 |
| Name | Verified Name |
|---|---|
| Address | 104 BEACH DR, WINTER HAVEN, FL 33881-9614 |
| Document Number | 0129661699 |
|---|---|
| Date | Jan 09, 2024 |
| Instrument | 12966/1699 |
| Name | NFM INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2054 |
| Document Number | 0000005501 |
|---|---|
| Date | Jan 09, 2024 |
| Book Page | 12966/1713 |
| Instrument | 2024005501 |
| Name | FLORIDA HOUSING FINANCE CORP |
|---|---|
| Type | Government Agency |
| Address | TALLAHASSEE, FL 32301 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 104 BEACH DR, WINTER HAVEN, FL 33881-9614 |
| Document Number | 0109680804 |
| Instrument Date | Aug 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2019 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 804 OVERTON AVE CELINA TX 750096438, CELINA, TX 75009-6438 |
| Document Number | 0109680804 |
|---|---|
| Date | Sep 10, 2019 |
| Book Page | 010968/000804 |
| Instrument | 191061 |
| Name | TEXAS BK |
|---|---|
| Type | Bank |
| Address | HENDERSON, TX 75653 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Sep 09, 2029 |
| Rate Type | Adjustable Rate |
|---|
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,580.00 (-10.63%) Homeowner's exemption | $159,693 (+5.59%) Land $18,500 Building $141,193 | $159,693 (+5.59%) Land $18,500 Building $141,193 |
| 2023 | $1,768.00 (+12.61%) | $151,239 (+21.29%) Land $18,000 Building $133,239 | $151,239 (+21.29%) Land $18,000 Building $133,239 |
| 2022 | $1,570.00 | $124,690 Land $15,000 Building $109,690 | $124,690 Land $15,000 Building $109,690 |
Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 1 (2022) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | None 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Frontier.
Based on FCC filings for 253 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2021 |
| Lead | 7 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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