109 Stevenson Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 109 Stevenson Rd, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,350 sqft · built 1962
Lot Size	0.216 acres (9,392 sqft)
Owner	2 Individual Names on File
Last Sale	$55,000 (Mar 2011)
Tax Bill	$437 (2025)
Deeds & Mortgages	May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-35-662700-000380`

Property Details

APN / Parcel Number

Primary APN	`26-28-35-662700-000380`
Alternative APNs	`352826662700000380` `52826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,350 sqft Living Area
Gross Area	1,670 sqft
1st Floor Area	1,350 sqft
Flooring	Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	9,392 sqft (0.216 acres)
Lot Dimensions	122 ft deep x 77 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	320 sqft
Porch	Screened/Unfinished Porch
Porch Area	410 sqft
Utility Building	128 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	109 STEVENSON RD
City	WINTER HAVEN
State	FL
Zip	33884-2353
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	GARDEN GROVES UNIT NO 2 PB 45 PG 17 LOT 38
Legal Range	26E
Legal Township	28S
Legal Section	35
Legal Subdivision	GARDEN GROVE UNIT NO 2
Legal Tract	662700
Legal Block	1
Legal Lot Number	38
Legal Unit	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1025
Census Tract	14001

Owner

109 Stevenson Rd is owned and occupied by two individuals who bought it in March 2011.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	109 STEVENSON RD, WINTER HAVEN, FL 33884-2353
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2011 · Amount on File
Deed Sale	Mar 28, 2011 · Amount on File
Prior Sale	Mar 17, 2005 · Amount on File
Deed Document Number	201152098
Deed Book / Page	8352 / 2195
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	109 STEVENSON RD, WINTER HAVEN, FL 33884-2353
Document Number	0104900963
Instrument Date	May 14, 2018
Transaction Type	Mortgage
Record Updated	Jun 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	136 SANDBURG LN WINTER HAVEN FL 338842326, WINTER HAVEN, FL 33884-2326

Mortgage

Document Number	0104900963
Date	May 18, 2018
Book Page	010490/000963
Instrument	107431

Lender

Name	HOUSING FIN AGCY
Address	TALLAHASSEE, FL 32301-1329

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 17, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 109 Stevenson Rd was $437 with a homeowner's exemption.

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		$71,897 (+2.7%)	$204,638 (+1.04%) Land $42,000 Building $162,638
2025	$437.00 Homeowner's exemption	$70,007	$202,536 Land $42,000 Building $160,536
2023	$928.00 (+4.98%) Homeowner's exemption	$66,052 (+3%)	$192,990 (+3.71%) Land $40,000 Building $152,990
2022	$884.00 Homeowner's exemption	$64,128	$186,082 Land $33,000 Building $153,082

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

Flood

FEMA maps place 109 Stevenson Rd in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1979.

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
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 109 Stevenson Rd 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 96% of the US · lower than 96% 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.

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 500 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