Polk County property record for 1513 Gaines Rd, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,555 sqft · built 1995 |
| Lot Size | 0.584 acres (25,456 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $851 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-29-11-000000-023280 |
| Primary APN | 25-29-11-000000-023280 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,555 sqft Living Area |
| Gross Area | 3,084 sqft |
| 1st Floor Area | 2,555 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 25,456 sqft (0.584 acres) |
| Lot Dimensions | 170 ft deep x 150 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 529 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 532 sqft |
| Cooling System | Central |
|---|
| Street Address | 1513 GAINES RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-4806 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | BEG NE COR OF SE1/4 OF NW1/4 OF SE1/4 RUN W 290 FT S 200 FT E 290 FT N 200 FT TO POB LESS E 140 FT & LESS S 30 FT FOR RD R/W |
| 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 | 3014 |
| Census Tract | 14701 |
1513 Gaines Rd is owned and occupied by two individuals.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1513 GAINES RD, WINTER HAVEN, FL 33880-4806 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 1513 Gaines Rd was $851 with a homeowner's exemption.
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 | $114,030 (+2.7%) | $383,712 (-0.65%) Land $24,360 Building $359,352 | |
| 2025 | $851.00 Homeowner's exemption | $111,032 | $386,210 Land $24,360 Building $361,850 |
| 2023 | $1,277.00 (+5.02%) Homeowner's exemption | $104,760 (+3%) | $413,105 (+12.63%) Land $23,520 Building $389,585 |
| 2022 | $1,216.00 Homeowner's exemption | $101,709 | $366,780 Land $19,320 Building $347,460 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1513 Gaines Rd 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 A, 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 6 (20% premium discount) |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 2 (2022) |
| Most Recent Claim | Oct 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 risk around 1513 Gaines Rd is moderate, ranking above 45% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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: FCC Broadband Data Collection, based on 115 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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