104 Monroe Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 104 Monroe Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,633 sqft · built 1973
Lot Size	0.272 acres (11,840 sqft)
Owner	2 Individual Names on File
Last Sale	$67,000 (Jan 2010)
Tax Bill	$404 (2025)
Deeds & Mortgages	Sep 2020 Line of Credit Aug 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`26-28-35-662640-001712`

Property Details

APN / Parcel Number

Primary APN	`26-28-35-662640-001712`
Alternative APNs	`352826662640001712` `52826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,633 sqft Living Area
Gross Area	2,116 sqft
1st Floor Area	1,261 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	11,840 sqft (0.272 acres)
Lot Dimensions	150 ft deep x 72 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	483 sqft
Pool Area	450 sqft
Porch	Florida Room
Porch Area	492 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	104 MONROE DR
City	WINTER HAVEN
State	FL
Zip	33884-2229
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ELOISE WOODS EAST LAKE FLORENCE UNIT PB 17 PG 47 IN S35 T28 R26 LOTS 171 LESS S 90 FT & 172 LESS S 90 FT & E 30 FT OF 173 LESS S 90 FT BEING LOT 43 OF UNREC GARDEN GROVE WEST
Legal Range	26E
Legal Township	28S
Legal Section	35
Legal Subdivision	ELOISE WOODS EAST LAKE FLORENCE UNIT
Legal Tract	662640
Legal Block	1
Legal Lot Number	171
Legal Unit	PB
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1033
Census Tract	14001

Owner

104 Monroe Dr is owned and occupied by two individuals who acquired it in July 2010.

Source: Polk County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	104 MONROE DR, WINTER HAVEN, FL 33884-2229
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

Date	Document
Sep 18, 2020	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Aug 6, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2010 · Amount on File
Deed Sale	Jan 4, 2010 · Amount on File
Prior Sale	Sep 15, 2009
Deed Document Number	2010485
Deed Book / Page	8047 / 1379
Last Transfer Date	Jul 20, 2010
Transfer Doc	0109320107
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	104 MONROE DR, WINTER HAVEN, FL 33884-2229
Document Number	0113971649
Instrument Date	Sep 18, 2020
Transaction Type	Mortgage
Record Updated	Oct 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 MONROE DR WINTER HAVEN FL 338842229, WINTER HAVEN, FL 33884-2229

Mortgage

Document Number	0113971649
Date	Oct 1, 2020
Book Page	011397/001649
Instrument	206604

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 30, 2040

Interest

Rate Type	Adjustable Rate

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Aug 6, 2019
Property Address	104 MONROE DR, WINTER HAVEN, FL 33884-2229
Document Number	0109320107
Book / Page	010932 / 000107
Instrument Date	Jul 20, 2010
Instrument	165097
Transaction Type	Transfer
Record Updated	Aug 23, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 EL CAMINO DR #402 WINTER HAVEN FL 338841617, 402, WINTER HAVEN, FL 33884-1617

Tax Assessment & Valuation

The 2025 property tax bill for 104 Monroe Dr was $404 with exemptions applied, down 59.9% from the year before.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$104,798 (+2.7%)	$221,356 (+0.94%) Land $40,103 Building $181,253
2025	$404.00 (-59.92%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$102,043	$219,296 Land $40,103 Building $179,193
2024	$1,008.00 (+17.76%)
2023	$856.00 (+1.18%) Homeowner's exemption	$96,279 (+3%)	$226,699 (+7.02%) Land $39,103 Building $187,596
2022	$846.00 Homeowner's exemption	$93,475	$211,827 Land $32,920 Building $178,907

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

Flood

FEMA maps place 104 Monroe Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 43 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	134 units insured incl. 91 condo units
Nearby Flood Claims	22 (1979–2022)
Claims Outside the SFHA	4 of 22
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 11 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

Wildfire risk around 104 Monroe Dr 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 98% of the US · lower than 97.6% 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 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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