Polk County property record for 109 Holmes Pl, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,934 sqft · built 1967 |
| Lot Size | 0.244 acres (10,624 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $270,000 (Feb 2021) |
| Tax Bill | $618 (2024) |
| Deeds & Mortgages | Feb 2021 Sale & Mortgage Dec 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-36-663000-001622 |
| Primary APN | 26-28-36-663000-001622 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,934 sqft Living Area |
| Gross Area | 2,438 sqft |
| 1st Floor Area | 1,934 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 10,624 sqft (0.244 acres) |
| Lot Dimensions | 125 ft deep x 85 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Pool Area | 200 sqft |
|---|---|
| Porch | Unfinished Open Porch |
| Porch Area | 30 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 109 HOLMES PL |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2313 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | FLA HIGHLANDS CO SUB PB 3 PG 27 LOT 16 E 125 FT OF W 1135 FT OF N 85 FT OF S 955 FT OF SW1/4 OF SW1/4 BEING LOT 87 OF UNREC GARDEN GROVE |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 36 |
| Legal Subdivision | FLORIDA HIGHLAND CO SUBDIVISION |
| Legal Tract | 663000 |
| Legal Block | 3 |
| Legal Lot Number | 16 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 14001 |
109 Holmes Pl is owned and occupied by two individuals who bought it in February 2021.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 HOLMES PL, WINTER HAVEN, FL 33884-2313 |
| 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 |
|---|---|
| Feb 2, 2021 | Warranty Deed, Transfer · VA Mortgage AMERIFIRST FINANCIAL CORP |
| Dec 16, 2019 | Warranty Deed, Transfer · FHA Mortgage CARDINAL FIN'L |
| Aug 9, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 2, 2021 · Amount on File |
| Deed Sale | Feb 2, 2021 · Amount on File |
| Prior Sale | Dec 16, 2019 · Amount on File |
| Deed Document Number | 202126454 |
| Deed Book / Page | 11562 / 1616 |
| Prior Transfer Date | Aug 6, 2019 |
| Prior Transfer Doc | 0109361110 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 2, 2021 |
| Property Address | 109 HOLMES PL, WINTER HAVEN, FL 33884-2313 |
| Document Number | 0000026454 |
| Book / Page | 11562 / 1616 |
| Instrument Date | Jan 29, 2021 |
| Instrument | 2021026454 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | THE TITLE STATION INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,890.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1951 LAKE DAISY RD, 1951, WINTER HAVEN, FL 33884-1825 |
| Name | Verified Name |
|---|---|
| Address | 109 HOLMES PL, WINTER HAVEN, FL 33884-2313 |
| Document Number | 0115621618 |
|---|---|
| Date | Feb 2, 2021 |
| Instrument | 11562/1618 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 16, 2019 |
| Property Address | 109 HOLMES PL, WINTER HAVEN, FL 33884-2313 |
| Document Number | 0110751465 |
| Book / Page | 011075 / 001465 |
| Instrument Date | Dec 6, 2019 |
| Instrument | 265908 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 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 | $1,435.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 109 HOLMES PL WINTER HAVEN FL 338842313, WINTER HAVEN, FL 33884-2313 |
| Document Number | 110751467 |
|---|---|
| Date | Dec 16, 2019 |
| Book Page | 011075/001467 |
| Instrument | 265909 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28273 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 15, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 9, 2019 |
| Property Address | 109 HOLMES PL, WINTER HAVEN, FL 33884-2313 |
| Document Number | 0109361110 |
| Book / Page | 010936 / 001110 |
| Instrument Date | Aug 6, 2019 |
| Instrument | 168267 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 HOLMES PL WINTER HAVEN FL 338842313, WINTER HAVEN, FL 33884-2313 |
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 | $257,532 (-0.72%) Land $37,188 Building $220,344 | $257,532 (-0.72%) Land $37,188 Building $220,344 | |
| 2025 | $259,399 Land $37,188 Building $222,211 | $259,399 Land $37,188 Building $222,211 | |
| 2024 | $618.00 (+30.38%) | ||
| 2023 | $474.00 (+6.76%) Homeowner's exemption | $245,148 (+1.51%) | $264,440 (+9.5%) Land $36,125 Building $228,315 |
| 2022 | $444.00 Homeowner's exemption | $241,508 Land $29,750 Building $211,758 | $241,508 Land $29,750 Building $211,758 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Holmes Pl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.
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 6 (20% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (1998) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 1998 · Severe Storms, High Winds, Tornadoes, And Flooding |
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 Holmes Pl is low, with 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 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 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 260 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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