195 Broad St, Winter Haven, FL 33881 Property Records

Polk County property record for 195 Broad St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,105 sqft · built 2014
Lot Size	0.281 acres (12,227 sqft)
Owner	2 Individual Names on File
Last Sale	$226,000 (Feb 2018)
Tax Bill	$2,157 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-14-533502-000550`

Property Details

APN / Parcel Number

Primary APN	`26-28-14-533502-000550`
Alternative APNs	`142826533502000550` `42826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,105 sqft Living Area
Gross Area	2,765 sqft
1st Floor Area	2,105 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	12,227 sqft (0.281 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	660 sqft
Porch	Screened/Unfinished Porch
Porch Area	150 sqft

Location & Zoning

Street Address	195 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 55
Legal Range	26E
Legal Township	28S
Legal Section	14
Legal Subdivision	HAMPTON COVE
Legal Tract	533502
Legal Block	2
Legal Lot Number	55
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2019
Census Tract	12802

Owner

195 Broad St is owned and occupied by two individuals who bought it in February 2018.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	195 BROAD ST, WINTER HAVEN, FL 33881-9008
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 2, 2018	Warranty Deed, Transfer · Conventional with PMI UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2018 · Amount on File
Deed Sale	Feb 2, 2018 · Amount on File
Prior Sale	Jun 18, 2015 · Amount on File
Deed Document Number	201825364
Deed Book / Page	10386 / 680
Prior Transfer Date	Oct 22, 2015
Prior Transfer Doc	0096620432
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	195 BROAD ST, WINTER HAVEN, FL 33881-9008
Transaction Type	Mortgage
Record Updated	Feb 22, 2021
Title Company	LEGACY TITLE GROUP, LEGACY TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 BROAD ST, WINTER HAVEN, FL 33881-9008

Mortgage

Document Number	0000031971
Date	Feb 8, 2021
Book Page	11571/1166
Instrument	2021031971

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 2, 2018
Property Address	195 BROAD ST, WINTER HAVEN, FL 33881-9008
Document Number	0103860680
Book / Page	010386 / 000680
Instrument Date	Jan 31, 2018
Instrument	25364
Transaction Type	Transfer
Record Updated	May 9, 2018
Title Company	EQUITABLE TITLE/W ORLANDO LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,582.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1623 MUIR CIR FL, FL

Mortgage

Document Number	103860682
Date	Feb 2, 2018
Book Page	010386/000682
Instrument	25365

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 195 Broad St was $2,157 with a homeowner's exemption, up 3.4% from the year before.

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		$161,214 (+2.7%)	$300,335 (-2.47%) Land $70,000 Building $230,335
2025	$2,157.00 (+3.35%) Homeowner's exemption	$156,976	$307,954 Land $70,000 Building $237,954
2024	$2,087.00 (+3.11%)
2023	$2,024.00 (+3.21%) Homeowner's exemption	$148,109 (+3%)	$336,431 (+19.92%) Land $68,000 Building $268,431
2022	$1,961.00 Homeowner's exemption	$143,795	$280,543 Land $56,000 Building $224,543

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

Flood

FEMA maps place 195 Broad St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2022.

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 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

Wildfire risk around 195 Broad St is moderate, ranking above 64% of the US, with a 0.3% annual chance of 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	0.3% annual chance
Exposure	Direct burnable vegetation

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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