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118 Duval Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 118 Duval Rd, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,656 sqft · built 1974
Lot Size0.316 acres (13,778 sqft)
OwnerIndividual Name on File
Last Sale$265,000 (Jun 2021)
Tax Bill$3,054 (2025)
Deeds & MortgagesJun 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-34-659500-004991

Property Details

APN / Parcel Number

Primary APN26-28-34-659500-004991
Alternative APNs
  • 342826659500004991
  • 42826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,656 sqft Living Area
Gross Area2,139 sqft
1st Floor Area1,266 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 2005
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area13,778 sqft (0.316 acres)
Lot Dimensions200 ft deep x 70 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area483 sqft
PorchFlorida Room
Porch Area390 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address118 DUVAL RD
CityWINTER HAVEN
StateFL
Zip33884-1512
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionELOISE WOODS E LK MARIAM UNIT PB 19 PG 32 LOTS 499 LESS NLY 14.9 FT & NLY 29.50 FT OF LOT 500 BEING LOT 112 OF UNREC VALENCIA WOOD
Legal Range26E
Legal Township28S
Legal Section34
Legal SubdivisionELOISE WOODS EAST LAKE MARIAM UNIT
Legal Tract659500
Legal Block2
Legal Lot Number499
Legal UnitPB
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2023
Census Tract13902

Owner

118 Duval Rd is owned and occupied by an individual who bought it in June 2021.

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

Owner of RecordIndividual Name on File
Mailing Address118 DUVAL RD, WINTER HAVEN, FL 33884-1512
OccupancyOwner Occupied
Owner TypeIndividual

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 NamesName on Deed
Last SaleJun 4, 2021 · Amount on File
Deed SaleJun 4, 2021 · Amount on File
Prior SaleAug 16, 2004 · Amount on File
Deed Document Number2021145871
Deed Book / Page11746 / 1024
Record UpdatedOct 29, 2026

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJun 4, 2021
Property Address118 DUVAL RD, WINTER HAVEN, FL 33884-1512
Document Number0000145871
Book / Page11746 / 1024
Map ReferenceMB 19 PG 32
Instrument DateJun 2, 2021
Instrument2021145871
Transaction TypeTransfer
Record UpdatedJun 18, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,855.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2812 67TH ST W, 2812, BRADENTON, FL 34209-7426

Transferred To (Grantee/Buyer)

NameVerified Name
Address118 DUVAL RD, WINTER HAVEN, FL 33884-1512

Mortgage

Document Number0117461026
DateJun 4, 2021
Instrument11746/1026
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term181 Months
DueJul 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 118 Duval Rd was $3,054.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$224,416 (-2.63%) Land $45,181 Building $179,235$224,416 (-2.63%) Land $45,181 Building $179,235
2025$3,054.00$230,488 Land $45,181 Building $185,307$230,488 Land $45,181 Building $185,307
2023$3,621.00 (+9.69%)$239,068 (+14.57%) Land $43,992 Building $195,076$239,068 (+14.57%) Land $43,992 Building $195,076
2022$3,301.00$208,664 Land $36,821 Building $171,843$208,664 Land $36,821 Building $171,843

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

Flood

FEMA maps place 118 Duval Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2004.

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 25 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies25 in force
Nearby Flood Claims2 (2004)
Most Recent ClaimSep 2004 · Hurricane Frances

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 118 Duval Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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 394 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000

May also be available: Verizon.

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