123 Ream Rd, Winter Haven, FL 33880 Property Records

Polk County property record for 123 Ream Rd, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 1967
Lot Size	0.849 acres (37,000 sqft)
Owner	2 Individual Names on File
Last Sale	$219,500 (Oct 2020)
Tax Bill	$2,307 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-29-11-000000-014350`

Property Details

APN / Parcel Number

Primary APN	`25-29-11-000000-014350`
Alternative APNs	`112925000000014350` `12925000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,260 sqft Living Area
1st Floor Area	1,260 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	37,000 sqft (0.849 acres)
Lot Dimensions	370 ft deep x 200 ft wide
View / Lot	Commercial/Industrial
Garage Type	Detached
Garage Area	750 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	832 sqft
Lean-To	572 sqft

Location & Zoning

Street Address	123 REAM RD
City	WINTER HAVEN
State	FL
Zip	33880-4847
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	S 100 FT OF N 620 FT OF E 185 FT OF W 415 FT OF W1/2 OF S3/4 OF SW1/4 OF NE1/4 & S 100 FT OF N 520 FT OF E 185 FT OF W 415 FT OF W1/2 OF S3/4 OF SW1/4 OF NE1/4
Legal Range	25E
Legal Township	29S
Legal Section	11
Legal Subdivision	GRUBBS NILON
Legal Block	3
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	3
Census Block	3024
Census Tract	14701

Owner

Source: Polk County assessment roll, 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 Record	2 Individual Names on File
Mailing Address	123 REAM RD, WINTER HAVEN, FL 33880-4847
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 6, 2020 · Amount on Record
Deed Sale	Oct 6, 2020 · Amount on Record
Prior Sale	Jan 1, 2017
Deed Document Number	2020209868
Deed Book / Page	11402 / 1846
Prior Transfer Date	Jul 18, 2011
Prior Transfer Doc	0000141861
Record Updated	Sep 20, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 6, 2020
Property Address	123 REAM RD, WINTER HAVEN, FL 33880-4847
Document Number	0114021846
Book / Page	011402 / 001846
Instrument Date	Sep 29, 2020
Instrument	209868
Transaction Type	Transfer
Record Updated	Oct 30, 2020
Title Company	SMART TITLE II LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,537.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	123 REAM READ WINTER HAVEN FL 33880, WINTER HAVEN, FL 33880

Mortgage

Document Number	114021848
Date	Oct 6, 2020
Book Page	011402/001848
Instrument	209869

Lender

Name	AMERIFIRST FIN'L CORP
Address	KALAMAZOO, MI 49002

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 5, 2050

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 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
2025	$2,307.00 (-14.71%) Homeowner's exemption	$218,650 (+5.99%)	$301,893 (-4.32%) Land $33,060 Building $268,833
2023	$2,705.00 (+3.24%) Homeowner's exemption	$206,299 (+3%)	$315,539 (+14.59%) Land $31,920 Building $283,619
2022	$2,620.00 Homeowner's exemption	$200,290	$275,362 Land $26,220 Building $249,142

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 39 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	2 (2022)
Most Recent Claim	Oct 2022 · Hurricane Ian

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	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 380 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30