Polk County property record for 109 Temple St, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 3,013 sqft · built 2014 |
| Lot Size | 0.344 acres (15,002 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $9,500 (May 2006) |
| Tax Bill | $2,066 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-28-28-354770-010830 |
| Primary APN | 25-28-28-354770-010830 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 3,013 sqft Living Area |
| Gross Area | 3,613 sqft |
| 1st Floor Area | 3,013 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 15,002 sqft (0.344 acres) |
| Lot Dimensions | 164 ft deep x 91 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 445 sqft |
| Shed | 1 Shed |
| Street Address | 109 TEMPLE ST |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-1034 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RE2 |
| Legal Description | ORANGE HILL SUB PB 58 PG 40 BLK 1 LOT 83 |
| Legal Range | 25E |
| Legal Township | 28S |
| Legal Section | 28 |
| Legal Subdivision | ORANGE HILLS SUBDIVISION |
| Legal Tract | 354770 |
| Legal Block | 1 |
| Legal Lot Number | 83 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 14703 |
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 109 TEMPLE ST, WINTER HAVEN, FL 33880-1034 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2006 · Amount on Record |
| Deed Sale | May 31, 2006 · Amount on Record |
| Prior Sale | Dec 15, 1997 · Amount on Record |
| Deed Document Number | 2006135403 |
| Deed Book / Page | 6800 / 2130 |
| Record Updated | Oct 29, 2026 |
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 | $205,406 (+2.7%) | $417,782 (-2.23%) Land $40,000 Building $377,782 | |
| 2025 | $2,066.00 (-14.94%) Homeowner's exemption | $200,006 (+5.99%) | $427,329 (-2.05%) Land $40,000 Building $387,329 |
| 2023 | $2,429.00 (+3.32%) Homeowner's exemption | $188,708 (+3%) | $436,256 (+50.16%) Land $30,000 Building $406,256 |
| 2022 | $2,351.00 Homeowner's exemption | $183,212 | $290,518 Land $20,000 Building $270,518 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 2 (2004–2024) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 44% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 213 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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