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1645 Ave E NE, Winter Haven, FL 33881 Property Records

Polk County property record for 1645 Ave E NE, Winter Haven, FL 33881

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,423 sqft · built 1958
Lot Size0.305 acres (13,303 sqft)
Owner2 Individual Names on File
Last Sale$59,000 (Jul 2009)
Tax Bill$520 (2025)
Deeds & MortgagesOct 2018 Mortgage
Mar 2018 Loan Modification
Flood ZoneZone X (minimal risk)
APN26-28-22-587200-000120

Property Details

APN / Parcel Number

Primary APN26-28-22-587200-000120
Alternative APNs
  • 222826587200000120
  • 22826000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,423 sqft Living Area
1st Floor Area1,423 sqft
FlooringConcrete/Cement
Interior WallsPlaster

Exterior

Year BuiltBuilt 1958
Effective Year BuiltEffective 1958
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Roof TypeGable
Roof MaterialTar & Gravel
Lot Area13,303 sqft (0.305 acres)
View / LotCommercial/Industrial
Garage TypeDetached
Garage Area144 sqft

Exterior Amenities

Pool Area416 sqft
PorchUnfinished Open Porch
Porch Area46 sqft
Shed1 Shed
Utility Building80 sqft

Location & Zoning

Street Address1645 AVENUE E NE
CityWINTER HAVEN
StateFL
Zip33881-4443
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSECOND REPLAT OF PT OF LAKE ELBERT HTS UNIT 1 PB 38 PG 28 LOT 12
Legal Range26E
Legal Township28S
Legal Section22
Legal SubdivisionLAKE ELBERT HEIGHTS UNIT 1 2ND REPLAT
Legal Tract587200
Legal Block4
Legal Lot Number12
Legal Unit1
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group4
Census Block4028
Census Tract13702

Owner

Source: Polk County records · APN 26-28-22-587200-000120

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 Record2 Individual Names on File
Mailing Address1645 AVENUE E NE, WINTER HAVEN, FL 33881-4443
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 26, 2018Deed of Trust, Mortgage · Conventional Mortgage
MIDFLORIDA CU
Mar 27, 2018Loan Modification, Mortgage · Conventional Mortgage
MIDFLORIDA CU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 08, 2009 · Amount on Record
Deed SaleJul 08, 2009 · Amount on Record
Prior SaleMay 06, 2005 · Amount on Record
Deed Document Number2009125534
Deed Book / Page7924 / 485
Last Transfer DateAug 20, 2015
Transfer Doc0000155308
Record UpdatedSep 20, 2026

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address1645 AVENUE E NE, WINTER HAVEN, FL 33881-4443
Document Number0106671709
Instrument DateOct 26, 2018
Transaction TypeMortgage
Record UpdatedNov 28, 2018
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1645 AVENUE E NE WINTER HAVEN FL 338814443, WINTER HAVEN, FL 33881-4443

Mortgage

Document Number0106671709
DateNov 09, 2018
Book Page010667/001709
Instrument236540
Lender
NameMIDFLORIDA CU
AddressLAKELAND, FL 33802-8008
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueNov 08, 2038

March 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPOLK FL
Property Address1645 AVENUE E NE, WINTER HAVEN, FL 33881-4443
Document Number0106181683
Instrument DateMar 27, 2018
Transaction TypeMortgage
Record UpdatedOct 05, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address1645 AVENUE E NE WINTER HAVEN FL 338814443, WINTER HAVEN, FL 33881-4443

Mortgage

Document Number0106181683
DateSep 21, 2018
Book Page010618/001683
Instrument200412
Lender
NameMIDFLORIDA CU
AddressLAKELAND, FL 33803
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term156 Months
DueSep 20, 2031
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk 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.

YearTax BillAssessed ValueAssessed Market Value
2025$520.00 (-46.94%) Homeowner's exemption$79,744 (+5.99%)$208,779 (-0.34%) Land $38,154 Building $170,625
2023$980.00 (+4.14%) Homeowner's exemption$75,240 (+3%)$209,495 (+11.94%) Land $36,964 Building $172,531
2022$941.00 Homeowner's exemption$73,049$187,155 Land $31,153 Building $156,002

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 121050137024, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies6 in force

Wildfire

Wildfire RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.05% annual chance
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 401 locations within half a mile · Last verified October 2026

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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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