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119 Temple St, Winter Haven, FL 33880 Property Records

Polk County property record for 119 Temple St, Winter Haven, FL 33880

Property Summary

Property TypeMobile Home
Details1,144 sqft · built 1996
Lot Size0.344 acres (15,002 sqft)
Owner2 Individual Names on Record
Last Sale$226,500 (May 2023)
Tax Bill$634 (2024)
Deeds & MortgagesOct 2025 Mortgage
Apr 2024 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN25-28-28-354770-010880

Property Details

APN / Parcel Number

Primary APN25-28-28-354770-010880
Alternative APNs
  • 282825354770010880
  • 82825000

Interior

Building Area1,144 sqft Living Area
1st Floor Area1,144 sqft

Exterior

Year BuiltBuilt 1996
Effective Year BuiltEffective 2005
Architectural StyleMobile Home
Lot Area15,002 sqft (0.344 acres)
Lot Dimensions164 ft deep x 91 ft wide
Garage TypeDetached
Garage Area144 sqft
PorchPorch
Shed1 Shed

Location & Zoning

Street Address119 TEMPLE ST
CityWINTER HAVEN
StateFL
Zip33880-1034
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Local Zoning CodeRE2
Legal DescriptionORANGE HILL SUB PB 58 PG 40 BLK 1 LOT 88
Legal Range25E
Legal Township28S
Legal Section28
Legal SubdivisionORANGE HILLS SUBDIVISION
Legal Tract354770
Legal Block1
Legal Lot Number88
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2001
Census Tract14703

Owner

Source: Polk County records, as of June 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address119 TEMPLE ST, WINTER HAVEN, FL 33880-1034
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Oct 7, 2025Deed of Trust, Mortgage · VA Mortgage
PLANET HOME LENDING LLC
Apr 29, 2024Deed of Trust, Mortgage · VA Mortgage
PLANET HOME LENDING LLC
May 22, 2023Warranty Deed, Transfer · VA Mortgage
MORTGAGE RESEARCH CENTER LLC
Dec 10, 2021Warranty Deed, Transfer · FHA Mortgage
CARDINAL FINANCIAL COMPANY LP
Jul 19, 2021Warranty Deed, Transfer
CELEBRATION TITLE GROUP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 22, 2023 · Amount on Record
Deed SaleMay 22, 2023 · Amount on Record
Prior SaleDec 10, 2021 · Amount on Record
Deed Document Number2023118512
Deed Book / Page12698 / 2259
Record UpdatedSep 20, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address119 TEMPLE ST, WINTER HAVEN, FL 33880-1034
Transaction TypeMortgage
Record UpdatedOct 28, 2025
Title CompanySOURCEPOINT TITLE SVCS, SOURCEPOINT INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address119 TEMPLE ST, WINTER HAVEN, FL 33880-1034

Mortgage

Document Number0000234848
DateOct 7, 2025
Book Page13726/1006
Instrument2025234848
Lender
NamePLANET HOME LENDING LLC
TypeMortgage Company
AddressMERIDEN, CT 06450
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueOct 1, 2055

April 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address119 TEMPLE ST, WINTER HAVEN, FL 33880-1034
Transaction TypeMortgage
Record UpdatedMay 9, 2024
Title CompanySOURCEPOINT TITLE SVCS, SOURCEPOINT INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address119 TEMPLE ST, WINTER HAVEN, FL 33880-1034

Mortgage

Document Number0000097819
DateApr 29, 2024
Book Page13095/220
Instrument2024097819
Lender
NamePLANET HOME LENDING LLC
TypeMortgage Company
AddressMERIDEN, CT 06450
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2054

May 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMay 22, 2023
Property Address119 TEMPLE ST, WINTER HAVEN, FL 33880-1034
Document Number0000118512
Book / Page12698 / 2259
Map ReferenceMB 58 PG 40
Instrument DateMay 11, 2023
Instrument2023118512
Transaction TypeTransfer
Record UpdatedJun 5, 2023
Title CompanySUNBELT TITLE AGENCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,585.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address247 TEMPLE CIR W, WINTER HAVEN, FL 33880-1003

Transferred To (Grantee/Buyer)

NameVerified Name
Address119 TEMPLE ST, WINTER HAVEN, FL 33880-1034
InvestorPossibly a Property Investor

Mortgage

Document Number0000118513
DateMay 22, 2023
Book Page12698/2261
Instrument2023118513
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
AddressCOLUMBIA, MO 65203
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2053

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateDec 10, 2021
Property Address119 TEMPLE ST, WINTER HAVEN, FL 33880-1034
Document Number0000322233
Book / Page12021 / 1388
Map ReferenceMB 58 PG 40
Instrument DateNov 12, 2021
Instrument20210322233
Transaction TypeTransfer
Record UpdatedDec 29, 2021
Title CompanyFIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,085.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 1292, EAGLE LAKE, FL 33839-1292

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address119 TEMPLE ST, WINTER HAVEN, FL 33880-1034

Mortgage

Document Number0120211390
DateDec 10, 2021
Instrument12021/1390
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 1, 2051

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJul 19, 2021
Property Address119 TEMPLE ST, WINTER HAVEN, FL 33880-1034
Document Number0000186408
Book / Page11808 / 1090
Map ReferenceMB 58 PG 40
Instrument DateJul 7, 2021
Instrument2021186408
Transaction TypeTransfer
Record UpdatedAug 4, 2021
Title CompanyCELEBRATION TITLE GROUP

Transaction

AmountAmount Recorded
Tax$560.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3 CHASE CT, 3, WINTER HAVEN, FL 33880-7106

Transferred To (Grantee/Buyer)

NameVerified Name
Address3195 RECKER HWY, WINTER HAVEN, FL 33880-1948

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$156,143 (+21.1%)$161,188 (+25.02%) Land $40,000 Building $121,188
2024$634.00 (-69.1%)
2023$2,052.00 (+13.12%)$128,934 (+26.26%) Land $30,000 Building $98,934$128,934 (+26.26%) Land $30,000 Building $98,934
2022$1,814.00$102,119 Land $20,000 Building $82,119$102,119 Land $20,000 Building $82,119

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 Record
median of 12 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies12 in force
Nearby Flood Claims2 (2004–2024)
Claims Outside the SFHA1 of 2
Most Recent ClaimOct 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.

Wildfire

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

Wildfire RiskHigh
above 71% of the US · above 54% of Florida
Wildfire Likelihood0.4% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 213 locations within half a mile, as of December 31, 2025

ProviderMax 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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