Polk County property record for 109 Hampden Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,307 sqft · built 1958 |
| Lot Size | 0.407 acres (17,720 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $169,000 (May 2020) |
| Tax Bill | $1,513 (2025) |
| Deeds & Mortgages | May 2020 Sale & Mortgage Jun 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-34-660000-000460 |
| Primary APN | 26-28-34-660000-000460 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,307 sqft Living Area |
| 1st Floor Area | 1,307 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plaster |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 17,720 sqft (0.407 acres) |
| Lot Dimensions | 171 ft deep x 98 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Carport |
| Garage Area | 294 sqft |
| Carport | Carport |
| Carport Area | 294 sqft |
| Porch | Enclosed/Unfinished Porch |
|---|---|
| Porch Area | 232 sqft |
| Shed | 1 Shed |
| Utility Building | 90 sqft |
| Cooling System | Central |
|---|
| Street Address | 109 HAMPDEN RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | ELOISE WOODS LAKE ROY UNIT PB 14 PG 19 19A 19B LOTS 46 & BEG SE COR OF LOT 46 RUN NWLY ALONG LOT LINE TO SW COR SWLY ALONG WLY LINE OF LOT 47 42PT16 FT SELY 165 FT TO ELYLINE OF LOT 47 NELY 27PT5 FT TO BEG |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 34 |
| Legal Subdivision | ELOISE WOODS LAKE ROY UNIT |
| Legal Tract | 660000 |
| Legal Block | 2 |
| Legal Lot Number | 46 |
| Legal Unit | PB |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2041 |
| Census Tract | 14005 |
109 Hampden Rd is owned and occupied by two individuals who bought it in May 2020.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 HAMPDEN RD, WINTER HAVEN, FL 33884-2006 |
| 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.
| Date | Document |
|---|---|
| May 5, 2020 | Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BK |
| Jun 24, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 2020 · Amount on File |
| Deed Sale | May 5, 2020 · Amount on File |
| Prior Sale | Jun 26, 2014 · Amount on File |
| Deed Document Number | 202091583 |
| Deed Book / Page | 11226 / 157 |
| Prior Transfer Date | Aug 23, 2013 |
| Prior Transfer Doc | 0090531181 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 5, 2020 |
| Property Address | 109 HAMPDEN RD, WINTER HAVEN, FL 33884-2006 |
| Document Number | 0112260157 |
| Book / Page | 011226 / 000157 |
| Instrument Date | May 1, 2020 |
| Instrument | 91583 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2020 |
| Title Company | RIDGE SECURITY TITLE INC, RIDGE SEC TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,183.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 109 HAMPDEN RD WINTER HAVEN FL 338842006, WINTER HAVEN, FL 33884-2006 |
| Document Number | 112260159 |
|---|---|
| Date | May 5, 2020 |
| Book Page | 011226/000159 |
| Instrument | 91584 |
| Name | FLAGSTAR BK |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098-2639 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 4, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 24, 2019 |
| Property Address | 109 HAMPDEN RD, WINTER HAVEN, FL 33884-2006 |
| Document Number | 0108840255 |
| Book / Page | 010884 / 000255 |
| Instrument Date | Jun 18, 2019 |
| Instrument | 130707 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 109 HAMPDEN RD WINTER HAVEN FL 338842006, WINTER HAVEN, FL 33884-2006 |
The 2025 property tax bill for 109 Hampden Rd was $1,513 with a homeowner's exemption, down 28.8% from the year before.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $158,783 (+2.7%) | $215,100 (+1.45%) Land $70,881 Building $144,219 | |
| 2025 | $1,513.00 (-28.83%) Homeowner's exemption | $154,609 | $212,027 Land $67,337 Building $144,690 |
| 2024 | $2,126.00 (+8.86%) | ||
| 2023 | $1,953.00 (+4.27%) Homeowner's exemption | $145,876 (+3%) | $222,898 (+9.87%) Land $65,565 Building $157,333 |
| 2022 | $1,873.00 Homeowner's exemption | $141,627 | $202,867 Land $54,933 Building $147,934 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Hampden Rd 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 33 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 33 in force |
| Nearby Flood Claims | 13 (1978–2026) |
| Claims Outside the SFHA | 6 of 13 |
| Most Recent Claim | Jun 2026 · rainfall accumulation |
| Claims by Event |
|
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 risk around 109 Hampden Rd 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 231 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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