115 Ridge Ave, Winter Haven, FL 33880 Property Records

Polk County property record for 115 Ridge Ave, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,084 sqft · built 1944
Lot Size	0.229 acres (9,967 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Sep 2019)
Tax Bill	$1,912 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-06-674000-000640`

Property Details

APN / Parcel Number

Primary APN	`26-29-06-674000-000640`
Alternative APNs	`062926674000000640` `62926000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,084 sqft Living Area
Gross Area	976 sqft
1st Floor Area	756 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1944
Effective Year Built	Effective 2004
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	9,967 sqft (0.229 acres)
Lot Dimensions	130 ft deep x 68 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	2,008 sqft
Carport	Carport
Carport Area	2,008 sqft
Porch	Florida Room
Porch Area	328 sqft
Utility Building	30 sqft

Location & Zoning

Street Address	115 RIDGE AVE
City	WINTER HAVEN
State	FL
Zip	33880-5345
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LAKE SHIPP HEIGHTS UNIT 2 PB 33 PG 28 LOT 64
Legal Range	26E
Legal Township	29S
Legal Section	06
Legal Subdivision	LAKE SHIPP HEIGHTS UNIT 02
Legal Tract	674000
Legal Block	1
Legal Lot Number	64
Legal Unit	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1078
Census Tract	14701

Owner

115 Ridge Ave is owned and occupied by an individual who bought it in September 2019.

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

Owner of Record	Individual Name on File
Mailing Address	115 RIDGE AVE, WINTER HAVEN, FL 33880-5345
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

Date	Document
Sep 4, 2019	Warranty Deed, Transfer · Conventional with PMI AMERICAN LIBERTY MTG
Jul 18, 2017	Warranty Deed, Transfer · Conventional with PMI TIMOTHY ALAN HOYET TRUST (RT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2019 · Amount on File
Deed Sale	Sep 4, 2019 · Amount on File
Prior Sale	Jul 18, 2017 · Amount on File
Deed Document Number	2019186611
Deed Book / Page	10962 / 594
Prior Transfer Date	Nov 10, 2015
Prior Transfer Doc	0000218473
Record Updated	Oct 29, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 4, 2019
Property Address	115 RIDGE AVE, WINTER HAVEN, FL 33880-5345
Document Number	0109620594
Book / Page	010962 / 000594
Instrument Date	Aug 26, 2019
Instrument	186611
Transaction Type	Transfer
Record Updated	Sep 18, 2019
Title Company	FLORIDA PROFESSIONAL TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 RIDGE AVE WINTER HAVEN FL 338805345, WINTER HAVEN, FL 33880-5345

Mortgage

Document Number	109620595
Date	Sep 4, 2019
Book Page	010962/000595
Instrument	186612

Lender

Name	AMERICAN LIBERTY MTG
Type	Mortgage Company
Address	DENVER, CO 80211

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 3, 2049

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 18, 2017
Property Address	115 RIDGE AVE, WINTER HAVEN, FL 33880-5345
Document Number	0102060411
Book / Page	010206 / 000411
Instrument Date	Jul 14, 2017
Instrument	135608
Transaction Type	Transfer
Record Updated	Aug 3, 2017
Title Company	FLORIDA PROFESSIONAL TITLE INC, FLORIDA PROFESSIONAL TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$385.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 RIDGE AVE WINTER HAVEN FL 338805345, WINTER HAVEN, FL 33880-5345

Mortgage

Document Number	102060412
Date	Jul 18, 2017
Book Page	010206/000412
Instrument	135609

Lender

Name	TIMOTHY ALAN HOYET TRUST (RT)
Address	3046 SPIRIT LAKE DR, WINTER HAVEN, FL 33880-1548

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	60 Months
Due	Jul 17, 2022

Interest

Rate	7.5%

Tax Assessment & Valuation

The 2025 property tax bill for 115 Ridge Ave was $1,912.

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		$148,183 (+1%)	$153,944 (-3.01%) Land $13,500 Building $140,444
2025	$1,912.00	$134,712	$158,720 Land $13,500 Building $145,220
2023	$2,211.00 (+13.62%)	$150,484 (+26.1%) Land $13,000 Building $137,484	$150,484 (+26.1%) Land $13,000 Building $137,484
2022	$1,946.00	$119,340 Land $11,000 Building $108,340	$119,340 Land $11,000 Building $108,340

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

Flood

FEMA maps place 115 Ridge Ave in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1994.

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 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	13 (1994–2022)
Claims Outside the SFHA	7 of 13
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Frances, Sep 2004 · 2 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 5 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 115 Ridge Ave 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 97% 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 271 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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