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108 Prospect Ave, Winter Haven, FL 33880 Property Records

Polk County property record for 108 Prospect Ave, Winter Haven, FL 33880

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 962 sqft · built 1949
Lot Size0.195 acres (8,472 sqft)
OwnerIndividual Name on File
Last Sale$208,000 (Jun 2025)
Tax Bill$634 (2025)
Deeds & MortgagesOct 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-29-06-674000-000480

Property Details

APN / Parcel Number

Primary APN26-29-06-674000-000480
Alternative APNs
  • 062926674000000480
  • 62926000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area962 sqft Living Area
1st Floor Area874 sqft
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1949
Effective Year BuiltEffective 1999
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeGable
Roof MaterialOther
Lot Area8,472 sqft (0.195 acres)
Lot Dimensions130 ft deep x 65 ft wide
View / LotCommercial/Industrial

Exterior Amenities

PorchFlorida Room
Porch Area176 sqft
Shed1 Shed
Utility Building40 sqft

Utilities, Heating & Cooling

Cooling SystemNone

Location & Zoning

Street Address108 PROSPECT AVE
CityWINTER HAVEN
StateFL
Zip33880-5339
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR4
Legal DescriptionLAKE SHIPP HEIGHTS UNIT 2 PB 33 PG 28 LOT 48
Legal Range26E
Legal Township29S
Legal Section06
Legal SubdivisionLAKE SHIPP HEIGHTS UNIT 02
Legal Tract674000
Legal Block1
Legal Lot Number48
Legal Unit2
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group1
Census Block1078
Census Tract14701

Owner

Source: Polk County assessment roll, as of June 23, 2026

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

Owner of RecordIndividual Name on File
Mailing Address108 PROSPECT AVE, WINTER HAVEN, FL 33880-5339
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 4, 2025 · Amount on Record
Deed SaleJun 4, 2025 · Amount on Record
Prior SaleOct 11, 2019 · Amount on Record
Deed Document Number2025130236
Deed Book / Page13572 / 1577
Transfer Doc3771001237
Record UpdatedSep 20, 2026

October 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateOct 11, 2019
Property Address108 PROSPECT AVE, WINTER HAVEN, FL 33880-5339
Document Number0110030242
Book / Page011003 / 000242
Instrument DateOct 4, 2019
Instrument215711
Transaction TypeTransfer
Record UpdatedOct 29, 2019
Title CompanySUNBELT TITLE (AGENCY)

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$735.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address108 PROSPECT AVE WINTER HAVEN FL 338805339, WINTER HAVEN, FL 33880-5339

Mortgage

Document Number110030243
DateOct 11, 2019
Book Page011003/000243
Instrument215712
Lender
NameUNION HM MTG CORP
AddressSTRONGSVILLE, OH 44136
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueOct 10, 2049

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$634.00 (-42.26%)$88,320 (+5.99%)$146,268 (+5.65%) Land $13,500 Building $132,768
2023$1,098.00 (+6.09%) Homeowner's exemption$83,331 (+3%)$138,450 (+20.72%) Land $13,000 Building $125,450
2022$1,035.00 Homeowner's exemption$80,904$114,687 Land $11,000 Building $103,687

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 21 policies
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 · Hurricane Ian
Claims by Event
  • Hurricane Frances, Sep 2004 · 2 claims
  • Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 5 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

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

Wildfire RiskLow
lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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 271 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

May also be available: Xfinity.

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