Polk County property record for 1641 Seth Dr, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,022 sqft · built 2022 |
| Lot Size | 0.138 acres (6,003 sqft) |
| Owner | Individual Name on File |
| Last Sale | $437,100 (Jul 2022) |
| Tax Bill | $4,429 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Nov 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-28-36-355263-001180 |
| Primary APN | 25-28-36-355263-001180 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,022 sqft Living Area |
| Gross Area | 3,484 sqft |
| 1st Floor Area | 1,352 sqft |
| Upper Floors Area | 1,670 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 6,003 sqft (0.138 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 68 sqft |
| Street Address | 1641 SETH DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-2361 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINNACLE POINT PB 185 PG 20-23 LOT 118 |
| Legal Range | 25E |
| Legal Township | 28S |
| Legal Section | 36 |
| Legal Subdivision | PINNACLE POINT |
| Legal Block | 2 |
| Legal Lot Number | 118 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 13802 |
Source: Polk County records · APN 25-28-36-355263-001180
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 | 1641 SETH DR, WINTER HAVEN, FL 33880-2361 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 13, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Nov 14, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jul 22, 2022 | Special Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 22, 2022 · Amount on Record |
| Deed Sale | Jul 22, 2022 · Amount on Record |
| Deed Document Number | 2022199428 |
| Deed Book / Page | 12348 / 1288 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1641 SETH DR, WINTER HAVEN, FL 33880-2361 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1641 SETH DR, WINTER HAVEN, FL 33880-2361 |
| Document Number | 0000239454 |
|---|---|
| Date | Oct 13, 2025 |
| Book Page | 13733/1855 |
| Instrument | 2025239454 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 322 Months |
| Due | Aug 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1641 SETH DR, WINTER HAVEN, FL 33880-2361 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2024 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 1641 SETH DR, WAHNETA, FL 33880-2361 |
| Document Number | 0000267120 |
|---|---|
| Date | Nov 14, 2023 |
| Book Page | 12906/1075 |
| Instrument | 2023267120 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 345 Months |
| Due | Aug 01, 2052 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 22, 2022 |
| Property Address | 1641 SETH DR, WINTER HAVEN, FL 33880-2361 |
| Document Number | 0000199428 |
| Book / Page | 12348 / 1288 |
| Map Reference | MB 185 PG 20-23 |
| Instrument Date | Jul 20, 2022 |
| Instrument | 2022199428 |
| Transaction Type | Transfer |
| Record Updated | Feb 05, 2024 |
| Title Company | SUNSTAR TITLE COMPANY LLC, SUNSET PARK TITLE CO LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,059.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4065 CRESCENT PARK DR, RIVERVIEW, FL 33578-3605 |
| Name | Verified Name |
|---|---|
| Address | 1641 SETH DR, WINTER HAVEN, FL 33880-2361 |
| Document Number | 0123481290 |
|---|---|
| Date | Jul 22, 2022 |
| Instrument | 12348/1290 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2052 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,429.00 (-11.74%) | $342,576 (-1.09%) Land $52,000 Building $290,576 | $342,576 (-1.09%) Land $52,000 Building $290,576 |
| 2023 | $5,018.00 (+571.75%) | $346,366 (+724.68%) Land $50,000 Building $296,366 | $346,366 (+724.68%) Land $50,000 Building $296,366 |
| 2022 | $747.00 | $42,000 Land $42,000 | $42,000 Land $42,000 |
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 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 |
|
| Wildfire Risk | Moderate above 40% of the US · lower than 87% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Verizon.
Based on FCC filings for 435 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 | CENTRAL serves 13,595 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2023 |
| Lead | 1 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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