1637 Seth Dr, Winter Haven, FL 33880 Property Records

Polk County property record for 1637 Seth Dr, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,523 sqft · built 2022
Lot Size	0.138 acres (6,003 sqft)
Owner	Individual Name on Record
Last Sale	$401,000 (Aug 2022)
Tax Bill	$3,325 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-28-36-355263-001170`

Property Details

APN / Parcel Number

Primary APN	`25-28-36-355263-001170`
Alternative APN	`362825355263001170`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,523 sqft Living Area
Gross Area	2,964 sqft
1st Floor Area	1,080 sqft
Upper Floors Area	1,443 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	6,003 sqft (0.138 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished/Open Porch
Porch Area	36 sqft

Location & Zoning

Street Address	1637 SETH DR
City	WINTER HAVEN
State	FL
Zip	33880-2360
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINNACLE POINT PB 185 PG 20-23 LOT 117
Legal Range	25E
Legal Township	28S
Legal Section	36
Legal Subdivision	PINNACLE POINT
Legal Block	2
Legal Lot Number	117
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2001
Census Tract	13802

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	1637 SETH DR, WINTER HAVEN, FL 33880-2360
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
Oct 25, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 1, 2022	Special Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2022 · Amount on Record
Deed Sale	Aug 1, 2022 · Amount on Record
Deed Document Number	2022208860
Deed Book / Page	12362 / 206
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Apr 28, 2026
Property Address	1637 SETH DR, WINTER HAVEN, FL 33880-2360
Document Number	0000099570
Book / Page	13973 / 877
Instrument Date	Apr 8, 2026
Instrument	202699570
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1637 SETH DR, WINTER HAVEN, FL 33880-2360
Investor	Possibly a Property Investor

Mortgage

Document Number	0000099570,
Date	Apr 28, 2026
Book Page	13973/877
Instrument	202699570

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	316 Months
Due	Aug 1, 2052

Interest

Rate	6.11%
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1637 SETH DR, WINTER HAVEN, FL 33880-2360
Transaction Type	Mortgage
Record Updated	Feb 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1637 SETH DR, WINTER HAVEN, FL 33880-2360

Mortgage

Document Number	0000253645
Date	Oct 25, 2023
Book Page	12887/1803
Instrument	2023253645

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	SOUTHFIELD, MI 48037

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Aug 1, 2052

August 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 1, 2022
Property Address	1637 SETH DR, WINTER HAVEN, FL 33880-2360
Document Number	0000208860
Book / Page	12362 / 206
Map Reference	MB 185 PG 20-23
Instrument Date	Jul 26, 2022
Instrument	2022208860
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	SUNSTAR TITLE COMPANY LLC, SUNSET PARK TITLE CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,807.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4065 CRESCENT PARK DR, RIVERVIEW, FL 33578-3605

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1637 SETH DR, WINTER HAVEN, FL 33880-2360

Mortgage

Document Number	0012362208
Date	Aug 1, 2022
Instrument	12362/208

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

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		$295,333 (-0.69%) Land $52,000 Building $243,333	$295,333 (-0.69%) Land $52,000 Building $243,333
2025	$3,325.00 (-14.19%)	$297,397 (-0.88%) Land $52,000 Building $245,397	$297,397 (-0.88%) Land $52,000 Building $245,397
2024	$3,875.00 (-12.13%)
2023	$4,410.00 (+490.36%)	$300,044 (+614.39%) Land $50,000 Building $250,044	$300,044 (+614.39%) Land $50,000 Building $250,044
2022	$747.00	$42,000 Land $42,000	$42,000 Land $42,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Cost	Premium on Record median of 14 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	5 (2004–2017)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Frances, Sep 2004 · 3 claims

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	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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	CENTRAL serves 13,595 people · EPA ID FL6534609
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 435 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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