149 Ream Rd, Winter Haven, FL 33880 Property Records

Polk County property record for 149 Ream Rd, Winter Haven, FL 33880 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,100 sqft · built 1966
Lot Size	0.23 acres (10,001 sqft)
Owner	Individual Name on File
Last Sale	$57,700 (Nov 2000)
Tax Bill	$277 (2025)
Deeds & Mortgages	Nov 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-29-11-000000-014240`

Property Details

APN / Parcel Number

Primary APN	`25-29-11-000000-014240`
Alternative APNs	`112925000000014240` `12925000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,100 sqft Living Area
Gross Area	902 sqft
1st Floor Area	902 sqft
Flooring	Concrete/Cement
Interior Walls	Wood

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	10,001 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	176 sqft
Carport	Carport
Carport Area	176 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	516 sqft
Utility Building	88 sqft

Location & Zoning

Street Address	149 REAM RD
City	WINTER HAVEN
State	FL
Zip	33880-4847
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 100 FT OF W 280 FT OF S 100 FT OF N 820 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 Tract	000000
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 records · APN 25-29-11-000000-014240

Assessment roll updated July 23, 2026 · Last verified August 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 File
Mailing Address	149 REAM RD, WINTER HAVEN, FL 33880-4847
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 01, 2000 · Amount on Record
Deed Sale	Nov 01, 2000 · Amount on Record
Deed Book / Page	4563 / 1775
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	149 REAM RD, WINTER HAVEN, FL 33880-4847
Transaction Type	Mortgage
Record Updated	Dec 09, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	149 REAM RD, WINTER HAVEN, FL 33880-4847

Mortgage

Document Number	0000309233
Date	Nov 30, 2022
Book Page	12499/428
Instrument	2022309233

Lender

Name	PRIME MERIDIAN BANK
Type	Bank
Address	TALLAHASSEE, FL 32312

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	Dec 01, 2025
Change Frequency	Annually
Min Rate At Change	6.87%
Max Rate At Change	8.87%
Index	1-Year T-Bill
Margin	3
Max Rate	11.8%

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$277.00 (-61.58%) Homeowner's exemption	$46,480 (+5.99%)	$165,072 (-5.96%) Land $13,195 Building $151,877
2023	$721.00 (+6.5%) Homeowner's exemption	$43,854 (+3%)	$175,537 (+16.86%) Land $12,740 Building $162,797
2022	$677.00 Homeowner's exemption	$42,577	$150,207 Land $10,465 Building $139,742

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050147013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 39 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	39 in force 37 of 39 on primary residences
Nearby Flood Claims	2 (2022)
Most Recent Claim	Oct 2022, other causes, Hurricane Ian

Wildfire

Wildfire Risk	Low above 38% of the US · above 12% of Florida
Wildfire Likelihood	About 1 in 1,389 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.