Polk County property record for 174 Cloverdale Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,637 sqft · built 2005 |
| Lot Size | 0.217 acres (9,439 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $185,000 (Mar 2018) |
| Tax Bill | $2,370 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Sep 2020 Loan Modification + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-13-687551-000170 |
| Primary APN | 26-29-13-687551-000170 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,637 sqft Living Area |
| Gross Area | 2,057 sqft |
| 1st Floor Area | 1,637 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| 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 | 420 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 224 sqft |
| Street Address | 174 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 17 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 13 |
| Legal Subdivision | SAVANNA POINTE |
| Legal Tract | 687551 |
| Legal Block | 2 |
| Legal Lot Number | 17 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 14401 |
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 174 CLOVERDALE RD, WINTER HAVEN, FL 33884-4201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 3, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Sep 3, 2020 | Loan Modification, Mortgage · FHA Mortgage AMERIHOME MTG |
| Mar 29, 2018 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE FIRM |
| Jun 19, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 29, 2018 · Amount on Record |
| Deed Sale | Mar 29, 2018 · Amount on Record |
| Prior Sale | Sep 10, 2010 · Amount on Record |
| Deed Document Number | 201867193 |
| Deed Book / Page | 10437 / 2088 |
| Prior Transfer Date | Jan 28, 2013 |
| Prior Transfer Doc | 0000019793 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 174 CLOVERDALE RD, WINTER HAVEN, FL 33884-4201 |
| Document Number | 0113962183 |
| Instrument Date | Sep 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 174 CLOVERDALE RD WINTER HAVEN FL 338844201, WINTER HAVEN, FL 33884-4201 |
| Document Number | 0113962183 |
|---|---|
| Date | Oct 1, 2020 |
| Book Page | 011396/002183 |
| Instrument | 206106 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 30, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 174 CLOVERDALE RD, WINTER HAVEN, FL 33884-4201 |
| Document Number | 0114432117 |
| Instrument Date | Sep 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 174 CLOVERDALE RD WINTER HAVEN FL 338844201, WINTER HAVEN, FL 33884-4201 |
| Document Number | 0114432117 |
|---|---|
| Date | Nov 5, 2020 |
| Book Page | 011443/002117 |
| Instrument | 236459 |
| Name | AMERIHOME MTG |
|---|---|
| Type | Mortgage Company |
| Address | EWING, NJ 08618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 4, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.37% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 29, 2018 |
| Property Address | 174 CLOVERDALE RD, WINTER HAVEN, FL 33884-4201 |
| Document Number | 0104372088 |
| Book / Page | 010437 / 002088 |
| Instrument Date | Mar 16, 2018 |
| Instrument | 67193 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2020 |
| Title Company | REAL ESTATE TITLE SERVICES LLC, REAL ESTATE TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,295.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 956 WISPER LAKE DR WINTER HAVEN FL, WINTER HAVEN, FL |
| Document Number | 104372089 |
|---|---|
| Date | Mar 29, 2018 |
| Book Page | 010437/002089 |
| Instrument | 67194 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 28, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 174 CLOVERDALE RD, WINTER HAVEN, FL 33884-4201 |
| Document Number | 0101880980 |
| Book / Page | 010188 / 000980 |
| Instrument Date | Jun 19, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 174 CLOVERDALE RD WINTER HAVEN FL 338844201, WINTER HAVEN, FL 33884-4201 |
| Document Number | 0101880980 |
|---|---|
| Date | Jun 27, 2017 |
| Book Page | 010188/000980 |
| Instrument | 122591 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 26, 2047 |
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 | $174,808 (+2.7%) | $224,721 (-0.82%) Land $35,000 Building $189,721 | |
| 2025 | $2,370.00 (+6.56%) Homeowner's exemption | $170,212 (+5.99%) | $226,585 (+0.43%) Land $35,000 Building $191,585 |
| 2023 | $2,224.00 (+3.3%) Homeowner's exemption | $160,597 (+3%) | $225,604 (+11.38%) Land $34,000 Building $191,604 |
| 2022 | $2,153.00 Homeowner's exemption | $155,919 | $202,552 Land $28,000 Building $174,552 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% 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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