148 Lowell Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 148 Lowell Rd, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,667 sqft · built 1964
Lot Size	0.216 acres (9,392 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Jul 2016)
Tax Bill	$1,410 (2025)
Deeds & Mortgages	Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-35-662900-001050`

Property Details

APN / Parcel Number

Primary APN	`26-28-35-662900-001050`
Alternative APNs	`352826662900001050` `52826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,667 sqft Living Area
Gross Area	2,167 sqft
1st Floor Area	1,667 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	9,392 sqft (0.216 acres)
Lot Dimensions	122 ft deep x 77 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	500 sqft
Porch	Porch
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	148 LOWELL RD
City	WINTER HAVEN
State	FL
Zip	33884-2319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	GARDEN GROVE UNIT 4 PB 46 PG 24 LOT 105
Legal Range	26E
Legal Township	28S
Legal Section	35
Legal Subdivision	GARDEN GROVE UNIT 4
Legal Tract	662900
Legal Block	3
Legal Lot Number	105
Legal Unit	4
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	3
Census Block	3017
Census Tract	14001

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	148 LOWELL RD, WINTER HAVEN, FL 33884-2319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2016 · Amount on Record
Deed Sale	Jul 20, 2016 · Amount on Record
Prior Sale	Mar 29, 2016 · Amount on Record
Deed Document Number	2016131279
Deed Book / Page	9882 / 1392
Last Transfer Date	Apr 12, 2023
Transfer Doc	0000124232
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	148 LOWELL RD, WINTER HAVEN, FL 33884-2319
Document Number	0102721863
Book / Page	010272 / 001863
Instrument Date	Sep 21, 2017
Transaction Type	Mortgage
Record Updated	Oct 24, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	148 LOWELL RD WINTER HAVEN FL 338842319, WINTER HAVEN, FL 33884-2319

Mortgage

Document Number	0102721863
Date	Sep 29, 2017
Book Page	010272/001863
Instrument	186553

Lender

Name	SECURE ONE CAP
Type	Funding / Finance Company
Address	COSTA MESA, CA 92626

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 28, 2047

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 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
2026		$150,859 (+2.7%)	$209,676 (+0.08%) Land $42,000 Building $167,676
2025	$1,410.00 (-23.12%) Homeowner's exemption	$146,893 (+5.99%)	$209,516 (+3.68%) Land $42,000 Building $167,516
2023	$1,834.00 (+4.2%) Homeowner's exemption	$138,595 (+3%)	$202,078 (+1.47%) Land $40,000 Building $162,078
2022	$1,760.00 Homeowner's exemption	$134,558	$199,151 Land $33,000 Building $166,151

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1998 · Severe Storms, High Winds, Tornadoes, And Flooding

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	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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 500 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20