1657 Seth Dr, Winter Haven, FL 33880 Property Records

Polk County property record for 1657 Seth Dr, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,022 sqft · built 2022
Lot Size	0.179 acres (7,780 sqft)
Owner	2 Individual Names on File
Last Sale	$418,300 (Jul 2022)
Tax Bill	$3,909 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-28-36-355263-001410`

Property Details

APN / Parcel Number

Primary APN	`25-28-36-355263-001410`
Alternative APN	`362825355263001410`

Interior

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

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	7,780 sqft (0.179 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	462 sqft
Porch	Finished/Open Porch
Porch Area	68 sqft

Location & Zoning

Street Address	1657 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 141
Legal Range	25E
Legal Township	28S
Legal Section	36
Legal Subdivision	PINNACLE POINT
Legal Block	2
Legal Lot Number	141
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2001
Census Tract	13802

Owner

Source: Polk County assessment roll, APN 25-28-36-355263-001410, as of 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	2 Individual Names on File
Mailing Address	1657 SETH DR, WINTER HAVEN, FL 33880-2361
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 18, 2022 · Amount on Record
Deed Sale	Jul 18, 2022 · Amount on Record
Deed Document Number	2022193954
Deed Book / Page	12340 / 2160
Record Updated	Sep 20, 2026

July 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 18, 2022
Property Address	1657 SETH DR, WINTER HAVEN, FL 33880-2361
Document Number	0000193954
Book / Page	12340 / 2160
Map Reference	MB 185 PG 20-23
Instrument Date	Jul 02, 2022
Instrument	2022193954
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	SUNSTAR TITLE COMPANY LLC, SUNSET PARK TITLE CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,928.10
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	1657 SETH DR, WINTER HAVEN, FL 33880-2361

Mortgage

Document Number	0123402162
Date	Jul 18, 2022
Instrument	12340/2162

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2052

Tax Assessment & Valuation

Source: Polk County assessment roll as of June 23, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

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	$3,909.00 (-22.1%)	$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

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), as of October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050138022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

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.

Internet Providers

Source: FCC Broadband Data Collection, 435 locations within half a mile, 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL6534609, 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

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 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.