Polk County property record for 1104 Bowline St, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,995 sqft · built 2018 |
| Lot Size | 0.182 acres (7,932 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,550 (Nov 2018) |
| Tax Bill | $2,212 (2025) |
| Deeds & Mortgages | Jul 2026 Sale Mar 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-28-36-355259-000750 |
| Primary APN | 25-28-36-355259-000750 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,995 sqft Living Area |
| Gross Area | 2,435 sqft |
| 1st Floor Area | 1,995 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 7,932 sqft (0.182 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 161 sqft |
| Street Address | 1104 BOWLINE ST |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-1979 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SHORES AT LAKE SEARS PB 141 PGS 19-22 LOT 75 |
| Legal Range | 25E |
| Legal Township | 28S |
| Legal Section | 36 |
| Legal Subdivision | SHORES AT LAKE SEARS |
| Legal Tract | 355259 |
| Legal Block | 2 |
| Legal Lot Number | 75 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 13802 |
1104 Bowline St is owned and occupied by two individuals who acquired it in July 2026.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1104 BOWLINE ST, WINTER HAVEN, FL 33880-1979 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
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 |
|---|---|
| Jul 16, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Mar 30, 2021 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC |
| Jul 26, 2019 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS |
| Nov 7, 2018 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage FBC MTG |
| Jul 6, 2018 | Loan Modification, Mortgage BANK OF CTRL FL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 7, 2018 · Amount on File |
| Deed Sale | Nov 7, 2018 · Amount on File |
| Deed Document Number | 2018234139 |
| Deed Book / Page | 10664 / 1443 |
| Last Transfer Date | Jul 15, 2026 |
| Transfer Doc | 0000170123 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 16, 2026 |
| Property Address | 1104 BOWLINE ST, WINTER HAVEN, FL 33880-1979 |
| Document Number | 0000170123 |
| Book / Page | 14078 / 1648 |
| Instrument Date | Jul 15, 2026 |
| Instrument | 2026170123 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 1104 BOWLINE ST, WINTER HAVEN, FL 33880-1979 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1104 BOWLINE ST, WINTER HAVEN, FL 33880-1979 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2021 |
| Title Company | LAKELAND TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 1104 BOWLINE ST, WINTER HAVEN, FL 33880-1979 |
| Document Number | 0000079437 |
|---|---|
| Date | Mar 30, 2021 |
| Book Page | 11642/1897 |
| Instrument | 2021079437 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1104 BOWLINE ST, WINTER HAVEN, FL 33880-1979 |
| Document Number | 0109362073 |
| Instrument Date | Jul 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 1104 BOWLINE ST WINTER HAVEN FL 338801979, WINTER HAVEN, FL 33880-1979 |
| Document Number | 0109362073 |
|---|---|
| Date | Aug 12, 2019 |
| Book Page | 010936/002073 |
| Instrument | 168610 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 11, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 7, 2018 |
| Property Address | 1104 BOWLINE ST, WINTER HAVEN, FL 33880-1979 |
| Document Number | 0106641443 |
| Book / Page | 010664 / 001443 |
| Instrument Date | Nov 2, 2018 |
| Instrument | 234139 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 27, 2018 |
| Title Company | INSURED TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,509.20 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1104 BOWLINE ST WINTER HAVEN FL 338801979, WINTER HAVEN, FL 33880-1979 |
| Document Number | 106641444 |
|---|---|
| Date | Nov 7, 2018 |
| Book Page | 010664/001444 |
| Instrument | 234140 |
| Name | FBC MTG |
|---|---|
| Type | Mortgage Company |
| Address | ORLANDO, FL 32801 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 6, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1104 BOWLINE ST, WINTER HAVEN, FL 33880-1979 |
| Document Number | 0105431684 |
| Instrument Date | Jul 6, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2018 |
| Title Company | INSURED R/E TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1925 E EDGEWOOD DR #100 LAKELAND FL 338033480, 100, LAKELAND, FL 33803-3480 |
| Investor | Possibly a Property Investor |
| Document Number | 0105431684 |
|---|---|
| Date | Jul 10, 2018 |
| Book Page | 010543/001684 |
| Instrument | 146314 |
| Name | BANK OF CTRL FL |
|---|---|
| Type | Bank |
| Address | 5015 S FLORIDA AVE # 200, LAKELAND, FL 33813-5502 |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 1104 Bowline St was $2,212.
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 | $217,043 (+2.7%) | $251,175 (-2.23%) Land $48,000 Building $203,175 | |
| 2025 | $2,212.00 Homeowner's exemption | $211,337 | $256,914 Land $48,000 Building $208,914 |
| 2023 | $2,836.00 (+5.51%) Homeowner's exemption | $199,399 (+3%) | $277,372 (+3.38%) Land $46,000 Building $231,372 |
| 2022 | $2,688.00 Homeowner's exemption | $193,591 | $268,295 Land $38,000 Building $230,295 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1104 Bowline St 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 14 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 5 (2004–2017) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| 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 1104 Bowline St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 | CENTRAL serves 13,595 people · EPA ID FL6534609 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2023 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 10 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 81 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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