131 Broad St, Winter Haven, FL 33881 Property Records

Polk County property record for 131 Broad St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,500 sqft · built 2016
Lot Size	0.282 acres (12,284 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Oct 2024)
Tax Bill	$6,071 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-14-533502-000470`

Property Details

APN / Parcel Number

Primary APN	`26-28-14-533502-000470`
Alternative APNs	`142826533502000470` `42826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,500 sqft Living Area
Gross Area	3,264 sqft
1st Floor Area	2,500 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2020
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	12,284 sqft (0.282 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	580 sqft
Porch	Florida Room
Porch Area	248 sqft

Location & Zoning

Street Address	131 BROAD ST
City	WINTER HAVEN
State	FL
Zip	33881-9008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMPTON COVE PB 147 PG 16-18 LOT 47
Legal Range	26E
Legal Township	28S
Legal Section	14
Legal Subdivision	HAMPTON COVE
Legal Tract	533502
Legal Block	2
Legal Lot Number	47
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2019
Census Tract	12802

Owner

131 Broad St is owned and occupied by two individuals who bought it in October 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	131 BROAD ST, WINTER HAVEN, FL 33881-9008
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Mar 8, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 17, 2021	Deed of Trust, Mortgage · FHA Mortgage RP FUNDING INC
Oct 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage R P FNDG INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2024 · Amount on File
Deed Sale	Oct 23, 2024 · Amount on File
Prior Sale	Mar 8, 2022 · Amount on File
Deed Document Number	2024240635
Deed Book / Page	13307 / 649
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 8, 2022
Property Address	131 BROAD ST, WINTER HAVEN, FL 33881-9008
Document Number	0000062279
Book / Page	12150 / 2194
Map Reference	MB 147 PG 16
Instrument Date	Mar 4, 2022
Instrument	2022062279
Transaction Type	Transfer
Record Updated	Mar 21, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,605.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3140 KIWI AVE, 3140, WINTER HAVEN, FL 33881-3224

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 BROAD ST, WINTER HAVEN, FL 33881-9008

Mortgage

Document Number	0121502196
Date	Mar 8, 2022
Instrument	12150/2196

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	131 BROAD ST, WINTER HAVEN, FL 33881-9008
Transaction Type	Mortgage
Record Updated	Jun 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 BROAD ST, WINTER HAVEN, FL 33881-9008

Mortgage

Document Number	0000156879
Date	Jun 17, 2021
Book Page	11763/1858
Instrument	2021156879

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	131 BROAD ST, WINTER HAVEN, FL 33881-9008
Document Number	0114291389
Instrument Date	Oct 9, 2020
Transaction Type	Mortgage
Record Updated	Nov 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	131 BROAD ST WINTER HAVEN FL 338819008, WINTER HAVEN, FL 33881-9008

Mortgage

Document Number	0114291389
Date	Oct 26, 2020
Book Page	011429/001389
Instrument	227295

Lender

Name	R P FNDG INC
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 25, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 131 Broad St was $6,071 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$348,218 (-4%) Land $70,000 Building $278,218	$348,218 (-4%) Land $70,000 Building $278,218
2025	$6,071.00 Homeowner's exemption	$362,727 Land $70,000 Building $292,727	$362,727 Land $70,000 Building $292,727
2023	$7,345.00 (+121.37%)	$381,457 (+78.56%) Land $68,000 Building $313,457	$381,457 (+21.18%) Land $68,000 Building $313,457
2022	$3,318.00	$213,635	$314,794 Land $56,000 Building $258,794

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 131 Broad St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 39 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	3 (2022–2023)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2023 · Hurricane Idalia
Claims by Event	Hurricane Ian, Sep 2022 · 2 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 131 Broad St is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 102 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

May also be available: Verizon.

Nearby Properties on Broad St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures