1. Home
  2. Florida
  3. Polk County
  4. Winter Haven
  5. 7th St SE

1440 7th St SE, Winter Haven, FL 33880 Property Records

Polk County property record for 1440 7th St SE, Winter Haven, FL 33880

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,600 sqft · built 1961
Lot Size0.269 acres (11,700 sqft)
OwnerIndividual Name on Record
Last Sale$100,500 (Aug 2002)
Tax Bill$822 (2025)
Deeds & MortgagesDec 2022 Line of Credit
Nov 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-33-652400-000230

Property Details

APN / Parcel Number

Primary APN26-28-33-652400-000230
Alternative APNs
  • 332826652400000230
  • 32826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,600 sqft Living Area
Gross Area2,080 sqft
1st Floor Area1,600 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1961
Effective Year BuiltEffective 1961
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area11,700 sqft (0.269 acres)
Lot Dimensions130 ft deep x 90 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area480 sqft

Exterior Amenities

Pool TypeEnclosed Pool
Pool Area392 sqft
PorchUnfinished Open Porch
Porch Area116 sqft
Shed1 Shed
Utility Building277 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address1440 7TH ST SE
CityWINTER HAVEN
StateFL
Zip33880-4512
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionFAIRLAWN SUB PB 43 PG 50 LOT 23
Legal Range26E
Legal Township28S
Legal Section33
Legal SubdivisionFAIRLAWN SUBDIVISION
Legal Tract652400
Legal Block1
Legal Lot Number23
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group1
Census Block1019
Census Tract13902

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Mailing Address1440 7TH ST SE, WINTER HAVEN, FL 33880-4512
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 19, 2022Deed of Trust, Mortgage · Line of Credit
NAVY FCU
Nov 25, 2020Deed of Trust, Mortgage · VA Mortgage
FREEDOM MTG

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 12, 2002 · Amount on Record
Deed SaleAug 12, 2002 · Amount on Record
Prior SaleJun 3, 2002
Deed Book / Page5084 / 294
Record UpdatedOct 29, 2026

December 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address1440 7TH ST SE, WINTER HAVEN, FL 33880-4512
Transaction TypeMortgage
Record UpdatedSep 13, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address1440 7TH ST SE, WINTER HAVEN, FL 33880-4512

Mortgage

Document Number0000326427
DateDec 19, 2022
Book Page12522/1636
Instrument2022326427
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeLine of Credit
AmountAmount Recorded
Term481 Months
DueJan 1, 2063
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address1440 7TH ST SE, WINTER HAVEN, FL 33880-4512
Document Number0114870041
Instrument DateNov 25, 2020
Transaction TypeMortgage
Record UpdatedDec 23, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1440 7TH ST SE WINTER HAVEN FL 338804512, WINTER HAVEN, FL 33880-4512

Mortgage

Document Number0114870041
DateDec 9, 2020
Book Page011487/000041
Instrument264776
Lender
NameFREEDOM MTG
TypeMortgage Company
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 8, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$94,298 (+2.7%)$263,896 (+4.94%) Land $33,000 Building $230,896
2025$822.00 (+11.99%) Homeowner's exemption$91,819 (+6.58%)$251,468 (+0.74%) Land $33,000 Building $218,468
2023$734.00 (+5.76%) Homeowner's exemption$86,147 (+3%)$249,624 (+15.19%) Land $32,000 Building $217,624
2022$694.00 Homeowner's exemption$83,638$216,702 Land $27,000 Building $189,702

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 18 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies18 in force
Nearby Flood Claims3 (2004–2022)
Claims Outside the SFHA3 of 3
Most Recent ClaimSep 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 RiskLow
lower than 99.8% of the US · lower than 99.7% 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 347 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Starlink
Satellite		280 / 30

May also be available: Verizon.

Nearby Properties on 7th St SE

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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