187 Broad St, Winter Haven, FL 33881 Property Records

Polk County property record for 187 Broad St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,035 sqft · built 2015
Lot Size	0.248 acres (10,799 sqft)
Owner	2 Individual Names on Record
Last Sale	$326,000 (May 2020)
Tax Bill	$7,490 (2025)
Deeds & Mortgages	Jul 2021 Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-14-533502-000530`

Property Details

APN / Parcel Number

Primary APN	`26-28-14-533502-000530`
Alternative APNs	`142826533502000530` `42826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,035 sqft Living Area
Gross Area	3,846 sqft
1st Floor Area	3,035 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	10,799 sqft (0.248 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Florida Room
Porch Area	475 sqft

Location & Zoning

Street Address	187 BROAD ST
City	WINTER HAVEN
State	FL
Zip	33881-9008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMPTON COVE PB 147 PG 16-18 LOT 53
Legal Range	26E
Legal Township	28S
Legal Section	14
Legal Subdivision	HAMPTON COVE
Legal Tract	533502
Legal Block	2
Legal Lot Number	53
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2019
Census Tract	12802

Owner

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	2 Individual Names on Record
Mailing Address	187 BROAD ST, WINTER HAVEN, FL 33881-9008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK
May 1, 2020	Warranty Deed, Transfer · Conventional Mortgage CENTRAL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2020 · Amount on Record
Deed Sale	May 1, 2020 · Amount on Record
Prior Sale	May 28, 2015 · Amount on Record
Deed Document Number	202090044
Deed Book / Page	11223 / 1196
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	187 BROAD ST, WINTER HAVEN, FL 33881-9008
Transaction Type	Mortgage
Record Updated	Jul 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 BROAD ST, WINTER HAVEN, FL 33881-9008

Mortgage

Document Number	0000170840
Date	Jul 1, 2021
Book Page	11784/1896
Instrument	2021170840

Lender

Name	CENTRAL BANK
Type	Bank
Address	TAMPA, FL 33647

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2036

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 1, 2020
Property Address	187 BROAD ST, WINTER HAVEN, FL 33881-9008
Document Number	0112231196
Book / Page	011223 / 001196
Instrument Date	Apr 28, 2020
Instrument	90044
Transaction Type	Transfer
Record Updated	May 21, 2020
Title Company	QUALIFIED TITLE SERVICES LLC, QUALIFIED TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,282.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	187 BROAD ST WINTER HAVEN FL 338819008, WINTER HAVEN, FL 33881-9008

Mortgage

Document Number	112231198
Date	May 1, 2020
Book Page	011223/001198
Instrument	90045

Lender

Name	CENTRAL BK
Type	Bank
Address	TAMPA, FL 33647

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.12%

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$389,007 (-1.2%) Land $70,000 Building $319,007	$389,007 (-1.2%) Land $70,000 Building $319,007
2025	$7,490.00 (+5.75%)	$393,733 (-9.23%) Land $70,000 Building $323,733	$393,733 (-9.23%) Land $70,000 Building $323,733
2023	$7,083.00 (+11.65%)	$433,758 (+18.77%) Land $68,000 Building $365,758	$433,758 (+18.77%) Land $68,000 Building $365,758
2022	$6,344.00	$365,215 Land $56,000 Building $309,215	$365,215 Land $56,000 Building $309,215

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 39 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	3 (2022–2023)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2023 · Hurricane Idalia
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	0.2% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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