191 Broad St, Winter Haven, FL 33881 Property Records

Polk County property record for 191 Broad St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,045 sqft · built 2015
Lot Size	0.257 acres (11,204 sqft)
Owner	2 Individual Names on Record
Last Sale	$545,000 (Apr 2026)
Deeds & Mortgages	Jun 2022 Mortgage Aug 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-14-533502-000540`

Property Details

APN / Parcel Number

Primary APN	`26-28-14-533502-000540`
Alternative APNs	`142826533502000540` `42826000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,045 sqft Living Area
Gross Area	3,643 sqft
1st Floor Area	3,045 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	11,204 sqft (0.257 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	598 sqft
Pool Type	Enclosed Pool
Porch	Screened/Unfinished Porch
Porch Area	330 sqft

Location & Zoning

Street Address	191 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 54
Legal Range	26E
Legal Township	28S
Legal Section	14
Legal Subdivision	HAMPTON COVE
Legal Tract	533502
Legal Block	2
Legal Lot Number	54
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	191 BROAD ST, WINTER HAVEN, FL 33881-9008
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Aug 30, 2022	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Apr 21, 2026	Warranty Deed, Transfer · VA Mortgage ARMED FORCES BANK
Apr 9, 2019	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Dec 28, 2016	Deed of Trust, Mortgage · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2026 · Amount on Record
Deed Sale	Apr 21, 2026 · Amount on Record
Prior Sale	Mar 19, 2015 · Amount on Record
Deed Document Number	202693979
Deed Book / Page	13965 / 1481
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	191 BROAD ST, WINTER HAVEN, FL 33881-9008
Transaction Type	Mortgage
Record Updated	May 4, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 BROAD ST, WINTER HAVEN, FL 33881-9008

Mortgage

Document Number	0000154563
Date	Jun 7, 2022
Book Page	12285/1873
Instrument	2022154563

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Dec 1, 2051

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	191 BROAD ST, WINTER HAVEN, FL 33881-9008
Transaction Type	Mortgage
Record Updated	May 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 BROAD ST, WINTER HAVEN, FL 33881-9008

Mortgage

Document Number	0000235384
Date	Aug 30, 2022
Book Page	12398/1085
Instrument	2022235384

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 21, 2026
Property Address	191 BROAD ST, WINTER HAVEN, FL 33881-9008
Document Number	0000093979
Book / Page	13965 / 1481
Instrument Date	Apr 17, 2026
Instrument	2026.93979
Transaction Type	Transfer
Record Updated	May 4, 2026
Title Company	JMT TITLE INSURANCE AGENCY, MTI TITLE INSURANCE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$385,315.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	191 BROAD ST, WINTER HAVEN, FL 33881-9008

Mortgage

Document Number	0000093980,
Date	Apr 21, 2026
Book Page	13965/1483
Instrument	2026.93980

Lender

Name	ARMED FORCES BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	191 BROAD ST, WINTER HAVEN, FL 33881-9008
Document Number	0108122188
Instrument Date	Apr 9, 2019
Transaction Type	Mortgage
Record Updated	May 1, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	191 BROAD ST WINTER HAVEN FL 338819008, WINTER HAVEN, FL 33881-9008

Mortgage

Document Number	0108122188
Date	Apr 17, 2019
Book Page	010812/002188
Instrument	78250

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 16, 2049

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	191 BROAD ST, WINTER HAVEN, FL 33881-9008
Document Number	0100401377
Book / Page	010040 / 001377
Instrument Date	Dec 28, 2016
Transaction Type	Mortgage
Record Updated	Feb 24, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	191 BROAD ST WINTER HAVEN FL 338819008, WINTER HAVEN, FL 33881-9008

Mortgage

Document Number	0100401377
Date	Jan 18, 2017
Book Page	010040/001377
Instrument	9748

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 17, 2047

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		$302,998 (+2.7%)	$424,688 (+2.11%) Land $70,000 Building $354,688
2025	Homeowner's exemption Veteran's exemption	$295,032 (+5.99%)	$415,901 (-8.67%) Land $70,000 Building $345,901
2023	Homeowner's exemption	$278,366	$455,371 Land $68,000 Building $387,371

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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