189 Duval Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 189 Duval Rd, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,698 sqft · built 1975
Lot Size	0.278 acres (12,101 sqft)
Owner	2 Company Names on Record
Last Sale	$292,000 (Aug 2023)
Tax Bill	$2,444 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Nov 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-34-659500-004821`

Property Details

APN / Parcel Number

Primary APN	`26-28-34-659500-004821`
Alternative APNs	`342826659500004821` `42826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,698 sqft Living Area
Gross Area	2,160 sqft
1st Floor Area	1,698 sqft
Flooring	Concrete/Cement
Interior Walls	Paneling

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	12,101 sqft (0.278 acres)
Lot Dimensions	130 ft deep x 95 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	462 sqft
Pool Area	144 sqft
Pool House	Pool House

Location & Zoning

Street Address	189 DUVAL RD
City	WINTER HAVEN
State	FL
Zip	33884-1513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ELOISE WOODS EAST LAKE MARIAM UNIT PB 19 PGS 32 32A IN S 34/35 T28 R26 LOTS 482 THE NLY 40 FT & 483
Legal Range	26E
Legal Township	28S
Legal Section	34
Legal Subdivision	ELOISE WOODS EAST LAKE MARIAM UNIT
Legal Tract	659500
Legal Block	2
Legal Lot Number	482
Legal Unit	PB
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2024
Census Tract	13902

Owner

Source: Polk County records, as of June 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	189 DUVAL RD, WINTER HAVEN, FL 33884-1513
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2023	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Nov 22, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK & TRUST
Aug 23, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERICAN LIBERTY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2023 · Amount on Record
Deed Sale	Aug 17, 2023 · Amount on Record
Prior Sale	Sep 15, 2016 · Amount on Record
Deed Document Number	2023194010
Deed Book / Page	12805 / 1865
Prior Transfer Date	Feb 19, 2010
Prior Transfer Doc	0000030663
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 17, 2023
Property Address	189 DUVAL RD, WINTER HAVEN, FL 33884-1513
Document Number	0000194010
Book / Page	12805 / 1865
Map Reference	MB 19 PG 32&32A
Instrument Date	Aug 14, 2023
Instrument	2023194010
Transaction Type	Transfer
Record Updated	Aug 31, 2023
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,044.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4088 PARKVIEW OVAL, BRUNSWICK, OH 44212-2678

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 DUVAL RD, WINTER HAVEN, FL 33884-1513

Mortgage

Document Number	0128051868
Date	Aug 17, 2023
Instrument	12805/1868

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	189 DUVAL RD, WINTER HAVEN, FL 33884-1513
Transaction Type	Mortgage
Record Updated	Dec 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 DUVAL RD, WINTER HAVEN, FL 33884-1513

Mortgage

Document Number	0000304004
Date	Nov 22, 2022
Book Page	12492/4
Instrument	2022304004

Lender

Name	CITIZENS BANK & TRUST
Type	Bank
Address	FROSTPROOF, FL 33843

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 21, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	189 DUVAL RD, WINTER HAVEN, FL 33884-1513
Document Number	0109600765
Instrument Date	Aug 23, 2019
Transaction Type	Mortgage
Record Updated	Sep 20, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	189 DUVAL RD WINTER HAVEN FL 338841513, WINTER HAVEN, FL 33884-1513

Mortgage

Document Number	0109600765
Date	Sep 4, 2019
Book Page	010960/000765
Instrument	185410

Lender

Name	AMERICAN LIBERTY MTG
Type	Mortgage Company
Address	DENVER, CO 80211

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2049

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,444.00 (+36.92%) Homeowner's exemption	$224,860 (+63.96%) Land $41,979 Building $182,881	$224,860 (-3.41%) Land $41,979 Building $182,881
2023	$1,785.00 (+3.78%) Homeowner's exemption	$137,145 (+3%)	$232,808 (+10.59%) Land $40,874 Building $191,934
2022	$1,720.00 Homeowner's exemption	$133,150	$210,506 Land $34,225 Building $176,281

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 25 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	25 in force
Nearby Flood Claims	2 (2004)
Most Recent Claim	Sep 2004 · Hurricane Frances

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	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.

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 394 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

May also be available: Verizon.

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