Polk County property record for 165 Whitman Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,678 sqft · built 1965 |
| Lot Size | 0.227 acres (9,884 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $155,000 (Aug 2017) |
| Tax Bill | $1,403 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-35-662500-001103 |
| Primary APN | 26-28-35-662500-001103 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,678 sqft Living Area |
| 1st Floor Area | 1,678 sqft |
| Flooring | Terrazzo |
| Interior Walls | Plaster |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 9,884 sqft (0.227 acres) |
| Lot Dimensions | 128 ft deep x 77 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Carport |
| Garage Area | 400 sqft |
| Carport | Carport |
| Carport Area | 400 sqft |
| Porch | Screened Porch |
| Utility Building | 100 sqft |
| Street Address | 165 WHITMAN RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2356 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | FLA HIGHLANDS CO SUB PB 3 PG 27 LOT 11 N 77 FT OF S 1173 FT OF SE1/4 OF SE1/4 LESS W 1176 FT & LESS E 25 FT FOR RD R/W |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 35 |
| Legal Subdivision | FLORIDA HIGHLAND CO SUBDIVISION |
| Legal Tract | 662500 |
| Legal Block | 3 |
| Legal Lot Number | 11 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 14001 |
165 Whitman Rd is owned and occupied by two individuals who bought it in August 2017.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 165 WHITMAN RD, WINTER HAVEN, FL 33884-2356 |
| 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.
| Date | Document |
|---|---|
| Jul 6, 2022 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Aug 25, 2017 | Warranty Deed, Transfer · FHA Mortgage GENEVA FIN'L |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 25, 2017 · Amount on File |
| Deed Sale | Aug 25, 2017 · Amount on File |
| Prior Sale | May 31, 2013 · Amount on File |
| Deed Document Number | 2017165684 |
| Deed Book / Page | 10245 / 820 |
| Transfer Doc | 3704000831 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 165 WHITMAN RD, WINTER HAVEN, FL 33884-2356 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000183117 |
|---|---|
| Date | Jul 6, 2022 |
| Book Page | 12325/1635 |
| Instrument | 2022183117 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 25, 2017 |
| Property Address | 165 WHITMAN RD, WINTER HAVEN, FL 33884-2356 |
| Document Number | 0102450820 |
| Book / Page | 010245 / 000820 |
| Instrument Date | Aug 18, 2017 |
| Instrument | 165684 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2017 |
| Title Company | EXECUTIVE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,085.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 165 WHITMAN RD WINTER HAVEN FL 338842356, WINTER HAVEN, FL 33884-2356 |
| Document Number | 102450821 |
|---|---|
| Date | Aug 25, 2017 |
| Book Page | 010245/000821 |
| Instrument | 165685 |
| Name | GENEVA FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | TEMPE, AZ 85283 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 24, 2047 |
The 2025 property tax bill for 165 Whitman Rd was $1,403 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 | $150,318 (+2.7%) | $202,709 (+0.07%) Land $42,000 Building $160,709 | |
| 2025 | $1,403.00 Homeowner's exemption | $146,366 | $202,568 Land $42,000 Building $160,568 |
| 2023 | $1,797.00 (+3.69%) Homeowner's exemption | $138,098 (+3%) | $195,645 (+0.62%) Land $40,000 Building $155,645 |
| 2022 | $1,733.00 Homeowner's exemption | $134,076 | $194,440 Land $33,000 Building $161,440 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 165 Whitman Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (1998) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 1998 · Severe Storms, High Winds, Tornadoes, And Flooding |
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 165 Whitman Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992 |
|---|---|
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 500 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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