113 4th St, Winter Haven, FL 33880 Property Records

Polk County property record for 113 4th St, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,320 sqft · built 1957
Lot Size	0.218 acres (9,487 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Jul 2026)
Tax Bill	$2,077 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Aug 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-28-25-354300-000670`

Property Details

APN / Parcel Number

Primary APN	`25-28-25-354300-000670`
Alternative APN	`52825000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,320 sqft Living Area
Gross Area	1,080 sqft
1st Floor Area	1,080 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1998
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Other
Lot Area	9,487 sqft (0.218 acres)
Lot Dimensions	115 ft deep x 82 ft wide
View / Lot	Commercial/Industrial
Garage Type	Detached
Garage Area	480 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	526 sqft

Location & Zoning

Street Address	113 4TH ST
City	WINTER HAVEN
State	FL
Zip	33880
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	JAN PHYL VILLAGE UNIT 2 PB 37 PG 50 LOT 67
Legal Range	25E
Legal Township	28S
Legal Section	25
Legal Subdivision	JAN PHYL VILLAGE UNIT 02
Legal Tract	354300
Legal Block	1
Legal Lot Number	67
Legal Unit	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1015
Census Tract	13802

Owner

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	113 4TH JPV ST, WINTER HAVEN, FL 33880-1206
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Warranty Deed, Transfer · FHA Mortgage FINANCIAL CORPORATION
Aug 8, 2023	Deed of Trust, Mortgage · Conventional Mortgage LOAN PRONTO INC
Sep 18, 2019	Warranty Deed, Transfer · Conventional with PMI WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2026 · Amount on Record
Deed Sale	Jul 20, 2026 · Amount on Record
Prior Sale	Sep 18, 2019 · Amount on Record
Deed Document Number	2026172331
Deed Book / Page	14081 / 1224
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 20, 2026
Property Address	113 4TH JPV ST, WINTER HAVEN, FL 33880-1206
Document Number	0000172331
Book / Page	14081 / 1224
Instrument Date	Jul 17, 2026
Instrument	2026172331
Transaction Type	Transfer
Record Updated	Aug 3, 2026
Title Company	OAK HARBOR TITLE SERVICES LLC, OAK HARBOR TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$166,145.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 4TH JPV ST, WINTER HAVEN, FL 33880-1206

Mortgage

Document Number	0000172332,
Date	Jul 20, 2026
Book Page	14081/1226
Instrument	2026172332

Lender

Name	FINANCIAL CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.48%
Max Rate	-1%

Mortgage

Document Number	0000172333,
Date	Jul 20, 2026
Book Page	14081/1239
Instrument	2026172333

Lender

Name	HOUSING FINANCE CORPORATION FLORIDA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	30 Months
Due	Aug 1, 2056

Interest

Rate	6.48%
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	113 4TH JPV ST, WINTER HAVEN, FL 33880-1206
Transaction Type	Mortgage
Record Updated	Aug 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 4TH JPV ST, WINTER HAVEN, FL 33880-1206

Mortgage

Document Number	0000184355
Date	Aug 8, 2023
Book Page	12792/701
Instrument	2023184355

Lender

Name	LOAN PRONTO INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28208

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 18, 2019
Property Address	113 4TH JPV ST, WINTER HAVEN, FL 33880-1206
Document Number	0109761629
Book / Page	010976 / 001629
Instrument Date	Sep 16, 2019
Instrument	197165
Transaction Type	Transfer
Record Updated	Oct 2, 2019
Title Company	REAL ESTATE TITLE SERVICES LLC, REAL ESTATE TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,183.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 4TH JPV ST WINTER HAVEN FL 338801206, WINTER HAVEN, FL 33880-1206

Mortgage

Document Number	109761630
Date	Sep 18, 2019
Book Page	010976/001630
Instrument	197166

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2049

Tax Assessment & Valuation

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		$204,237 (+1.66%) Land $31,000 Building $173,237	$204,237 (+1.66%) Land $31,000 Building $173,237
2025	$2,077.00 (-34.79%)	$200,903 (-0.56%) Land $31,000 Building $169,903	$200,903 (-0.56%) Land $31,000 Building $169,903
2024	$3,185.00 (+8.67%)
2023	$2,931.00 (+9.98%)	$202,037 (+13.77%) Land $30,000 Building $172,037	$202,037 (+13.77%) Land $30,000 Building $172,037
2022	$2,665.00	$177,584 Land $25,000 Building $152,584	$177,584 Land $25,000 Building $152,584

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

Flood

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	4 in force
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2008 · Tropical Storm Fay

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

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	0.03% annual chance
Exposure	Indirect within 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	CENTRAL serves 13,595 people · EPA ID FL6534609
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 377 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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