Polk County property record for 149 Lowell Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,538 sqft · built 1963 |
| Lot Size | 0.21 acres (9,135 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $179,900 (Oct 2018) |
| Tax Bill | $1,722 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage Oct 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-35-662900-000800 |
| Primary APN | 26-28-35-662900-000800 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,538 sqft Living Area |
| 1st Floor Area | 1,538 sqft |
| Flooring | Plywood |
| Interior Walls | Plaster |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 9,135 sqft (0.21 acres) |
| Lot Dimensions | 122 ft deep x 76 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Carport |
| Garage Area | 400 sqft |
| Carport | Carport |
| Carport Area | 400 sqft |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 228 sqft |
| Utility Building | 104 sqft |
| Cooling System | Central |
|---|
| Street Address | 149 LOWELL RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2351 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | GARDEN GROVE UNIT 4 PB 46 PG 24 LOT 80 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 35 |
| Legal Subdivision | GARDEN GROVE UNIT 4 |
| Legal Tract | 662900 |
| Legal Block | 3 |
| Legal Lot Number | 80 |
| Legal Unit | 4 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 14001 |
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 | 149 LOWELL RD, WINTER HAVEN, FL 33884-2351 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 5, 2020 | Deed of Trust, Mortgage · FHA Mortgage CARDINAL FIN'L |
| Oct 9, 2018 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC |
| May 9, 2018 | Warranty Deed, Transfer REAL ESTATE TITLE SERVICES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 9, 2018 · Amount on Record |
| Deed Sale | Oct 9, 2018 · Amount on Record |
| Prior Sale | May 9, 2018 · Amount on Record |
| Deed Document Number | 2018212883 |
| Deed Book / Page | 10636 / 73 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 149 LOWELL RD, WINTER HAVEN, FL 33884-2351 |
| Document Number | 0112641600 |
| Instrument Date | Jun 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 149 LOWELL RD WINTER HAVEN FL 338842351, WINTER HAVEN, FL 33884-2351 |
| Document Number | 0112641600 |
|---|---|
| Date | Jun 15, 2020 |
| Book Page | 011264/001600 |
| Instrument | 117886 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28273 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 14, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 9, 2018 |
| Property Address | 149 LOWELL RD, WINTER HAVEN, FL 33884-2351 |
| Document Number | 0106360073 |
| Book / Page | 010636 / 000073 |
| Instrument Date | Oct 4, 2018 |
| Instrument | 212883 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2018 |
| Title Company | REAL ESTATE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,259.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 57 MADISON AVE HAGERSTOWN MD 217405344, HAGERSTOWN, MD 21740-5344 |
| Document Number | 106360074 |
|---|---|
| Date | Oct 9, 2018 |
| Book Page | 010636/000074 |
| Instrument | 212884 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 8, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 9, 2018 |
| Property Address | 149 LOWELL RD, WINTER HAVEN, FL 33884-2351 |
| Document Number | 0104790715 |
| Book / Page | 010479 / 000715 |
| Instrument Date | Apr 6, 2018 |
| Instrument | 99002 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2018 |
| Title Company | REAL ESTATE TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $665.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 415 RENEE DR HAINES CITY FL 338445848, HAINES CITY, FL 33844-5848 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $175,005 (+2.7%) | $222,055 (+0.07%) Land $42,000 Building $180,055 | |
| 2025 | $1,722.00 (-19.27%) Homeowner's exemption | $170,404 (+5.99%) | $221,893 (+4.93%) Land $42,000 Building $179,893 |
| 2023 | $2,133.00 (+3.8%) Homeowner's exemption | $160,779 (+3%) | $211,470 (+1.72%) Land $40,000 Building $171,470 |
| 2022 | $2,055.00 Homeowner's exemption | $156,096 | $207,895 Land $33,000 Building $174,895 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
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