Polk County property record for 159 Cloverdale Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,301 sqft · built 2006 |
| Lot Size | 0.185 acres (8,050 sqft) |
| Owner | Individual Name on File |
| Last Sale | $280,000 (Oct 2025) |
| Tax Bill | $4,461 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage Oct 2025 Sale & Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-13-687551-001750 |
| Primary APN | 26-29-13-687551-001750 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,301 sqft Living Area |
| Gross Area | 2,826 sqft |
| 1st Floor Area | 2,301 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 8,050 sqft (0.185 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 525 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 220 sqft |
| Street Address | 159 CLOVERDALE RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-4211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SAVANNA POINTE PLAT BOOK 129 PGS 49 THRU 52 LOT 175 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 13 |
| Legal Subdivision | SAVANNA POINTE |
| Legal Tract | 687551 |
| Legal Block | 2 |
| Legal Lot Number | 175 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 14401 |
Source: Polk County records · APN 26-29-13-687551-001750
Assessment roll updated June 23, 2026 · Last verified July 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 | 159 CLOVERDALE RD, WINTER HAVEN, FL 33884-4211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Jul 31, 2023 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Oct 31, 2025 | Warranty Deed, Transfer · Stand-Alone Second Mortgage GUARANTEED RATE INC |
| Apr 16, 2021 | Warranty Deed, Transfer · FHA Mortgage OCMBC INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 31, 2025 · Amount on Record |
| Deed Sale | Oct 31, 2025 · Amount on Record |
| Prior Sale | Apr 16, 2021 · Amount on Record |
| Deed Document Number | 2025258189 |
| Deed Book / Page | 13761 / 354 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 159 CLOVERDALE RD, WINTER HAVEN, FL 33884-4211 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Name | Verified Name |
|---|---|
| Address | 159 CLOVERDALE RD, WINTER HAVEN, FL 33884-4211 |
| Document Number | 0000177388 |
|---|---|
| Date | Jul 31, 2023 |
| Book Page | 12782/585 |
| Instrument | 2023177388 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 334 Months |
| Due | May 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 31, 2025 |
| Property Address | 159 CLOVERDALE RD, WINTER HAVEN, FL 33884-4211 |
| Document Number | 0000258189 |
| Book / Page | 13761 / 354 |
| Map Reference | MB 129 PG 49-52 |
| Instrument Date | Oct 16, 2025 |
| Instrument | 2025258189 |
| Transaction Type | Transfer |
| Record Updated | Apr 02, 2026 |
| Title Company | INTEGRITY FIRST TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,960.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 529 S PARSONS AVE # AVE1005, AVE1005, BRANDON, FL 33511-6069 |
| Name | Verified Name |
|---|---|
| Address | 159 CLOVERDALE RD, WINTER HAVEN, FL 33884-4211 |
| Document Number | 0013761376 |
|---|---|
| Date | Oct 31, 2025 |
| Instrument | 13761/376 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Document Number | 0000258190 |
|---|---|
| Date | Oct 31, 2025 |
| Book Page | 13761/356 |
| Instrument | 2025258190 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 16, 2021 |
| Property Address | 159 CLOVERDALE RD, WINTER HAVEN, FL 33884-4211 |
| Document Number | 0000097391 |
| Book / Page | 11672 / 82 |
| Map Reference | MB 129 PG 49-52 |
| Instrument Date | Apr 07, 2021 |
| Instrument | 2021097391 |
| Transaction Type | Transfer |
| Record Updated | Aug 02, 2022 |
| Title Company | EXCEL TITLE CORPORATION, EXCEL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,715.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2742 ROCHELLE DR, 2742, WINTER HAVEN, FL 33881-8611 |
| Name | Verified Name |
|---|---|
| Address | 159 CLOVERDALE RD, WINTER HAVEN, FL 33884-4211 |
| Document Number | 0001167284 |
|---|---|
| Date | Apr 16, 2021 |
| Instrument | 11672/84 |
| Name | OCMBC INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
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 | $4,461.00 (+3.14%) Homeowner's exemption | $282,062 (+2.9%) | $286,684 (-4.02%) Land $35,000 Building $251,684 |
| 2024 | $4,325.00 (+2.56%) Homeowner's exemption | $274,113 (+3%) | $298,679 (+5.53%) Land $35,000 Building $263,679 |
| 2023 | $4,217.00 (+2.8%) Homeowner's exemption | $266,129 (+3%) | $283,017 (+9.54%) Land $34,000 Building $249,017 |
| 2022 | $4,102.00 Homeowner's exemption | $258,378 Land $28,000 Building $230,378 | $258,378 Land $28,000 Building $230,378 |
Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 29 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 29 in force |
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 225 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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