Polk County property record for 166 Cloverdale Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,682 sqft · built 2006 |
| Lot Size | 0.217 acres (9,439 sqft) |
| Owner | Company Name on File |
| Last Sale | $110,000 (Dec 2012) |
| Tax Bill | $4,182 (2025) |
| Deeds & Mortgages | Sep 2019 Sale Sep 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-13-687551-000150 |
| Primary APN | 26-29-13-687551-000150 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,682 sqft Living Area |
| Gross Area | 2,082 sqft |
| 1st Floor Area | 1,682 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 9,439 sqft (0.217 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 55 sqft |
| Street Address | 166 CLOVERDALE RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-4201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SAVANNA POINTE PLAT BOOK 129 PGS 49 THRU 52 LOT 15 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 13 |
| Legal Subdivision | SAVANNA POINTE |
| Legal Tract | 687551 |
| Legal Block | 2 |
| Legal Lot Number | 15 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 14401 |
166 Cloverdale Rd is owned by a company that bought it in December 2012.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 31236, SALT LAKE CITY, UT 84131-0236 |
| Owner Type | Company |
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 |
|---|---|
| Sep 13, 2019 | Grant Deed, Transfer OS NATIONAL LLC, OS NAT'L LLC |
| Sep 13, 2019 | Loan Modification, Mortgage · Line of Credit MORGAN STANLEY MTG CAP HOLDING |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 5, 2012 · Amount on File |
| Deed Sale | Dec 5, 2012 · Amount on File |
| Prior Sale | Oct 4, 2012 · Amount on File |
| Deed Document Number | 2012217778 |
| Deed Book / Page | 8814 / 2148 |
| Prior Transfer Date | Sep 21, 2012 |
| Prior Transfer Doc | 0000176869 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 13, 2019 |
| Property Address | 166 CLOVERDALE RD, WINTER HAVEN, FL 33884-4201 |
| Document Number | 0109721515 |
| Book / Page | 010972 / 001515 |
| Instrument Date | Aug 22, 2019 |
| Instrument | 194215 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2019 |
| Title Company | OS NATIONAL LLC, OS NAT'L LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $146.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 4090 SCOTTSDALE AZ 852614090, SCOTTSDALE, AZ 85261-4090 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 13, 2019 |
| Property Address | 166 CLOVERDALE RD, WINTER HAVEN, FL 33884-4201 |
| Document Number | 0109721532 |
| Book / Page | 010972 / 001532 |
| Instrument Date | Aug 22, 2019 |
| Instrument | 194216 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2019 |
| Title Company | OS NATIONAL LLC, OS NAT'L LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 810 7TH AVE #24TH NEW YORK NY 100195818, 24TH, NEW YORK, NY 10019-5818 |
| Document Number | 109721532 |
|---|---|
| Date | Sep 13, 2019 |
| Book Page | 010972/001532 |
| Instrument | 194216 |
| Name | MORGAN STANLEY MTG CAP HOLDING |
|---|---|
| Type | Mortgage Company |
| Address | 1585 BROADWAY # 24TH, NEW YORK, NY 10036-8200 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 166 Cloverdale Rd was $4,182, up 3.6% from the year before.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $222,051 (-0.72%) Land $35,000 Building $187,051 | $222,051 (-0.72%) Land $35,000 Building $187,051 | |
| 2025 | $4,182.00 (+3.57%) | $223,668 Land $35,000 Building $188,668 | $223,668 Land $35,000 Building $188,668 |
| 2024 | $4,038.00 (+7.48%) | ||
| 2023 | $3,757.00 (+8.9%) | $220,884 (+9.27%) Land $34,000 Building $186,884 | $220,884 (+9.27%) Land $34,000 Building $186,884 |
| 2022 | $3,450.00 | $202,145 Land $28,000 Building $174,145 | $202,145 Land $28,000 Building $174,145 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 166 Cloverdale Rd in Zone X, an area of minimal flood risk.
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 File median of 29 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 29 in force |
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 166 Cloverdale Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 225 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 |
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