Polk County property record for 2005 Winterset Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,416 sqft · built 1974 |
| Lot Size | 0.362 acres (15,751 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $279,400 (Jul 2019) |
| Tax Bill | $2,131 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-11-687410-000010 |
| Primary APN | 26-29-11-687410-000010 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,416 sqft Living Area |
| Gross Area | 2,920 sqft |
| 1st Floor Area | 2,416 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 15,751 sqft (0.362 acres) |
| Lot Dimensions | 150 ft deep x 105 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Pool Area | 450 sqft |
|---|---|
| Porch | Unfinished Open Porch |
| Porch Area | 48 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 2005 WINTERSET RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3159 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKE WINTERSET ACRES UNIT 2 PG 56 PG 1 LOT 1 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 11 |
| Legal Subdivision | LAKE WINTERSET ACRES UNIT #2 |
| Legal Tract | 687410 |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Legal Unit | 2 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2036 |
| Census Tract | 14006 |
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 | 2005 WINTERSET RD, WINTER HAVEN, FL 33884-3159 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 19, 2021 | Deed of Trust, Mortgage · VA Mortgage AMERICAN LIBERTY MORTGAGE INC |
| Jul 31, 2019 | Warranty Deed, Transfer · VA Mortgage AMERICAN LIBERTY MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 31, 2019 · Amount on Record |
| Deed Sale | Jul 31, 2019 · Amount on Record |
| Prior Sale | Aug 2, 1993 |
| Deed Document Number | 2019159586 |
| Deed Book / Page | 10924 / 533 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2005 WINTERSET RD, WINTER HAVEN, FL 33884-3159 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2005 WINTERSET RD, WINTER HAVEN, FL 33884-3159 |
| Investor | Possibly a Property Investor |
| Document Number | 0000272508 |
|---|---|
| Date | Oct 19, 2021 |
| Book Page | 11943/1797 |
| Instrument | 2021272508 |
| Name | AMERICAN LIBERTY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | DENVER, CO 80211 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 31, 2019 |
| Property Address | 2005 WINTERSET RD, WINTER HAVEN, FL 33884-3159 |
| Document Number | 0109240533 |
| Book / Page | 010924 / 000533 |
| Instrument Date | Jul 11, 2019 |
| Instrument | 159586 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2019 |
| Title Company | GOLDEN RULE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,955.80 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 208 9TH ST SE WINTER HAVEN FL 338803111, WINTER HAVEN, FL 33880-3111 |
| Document Number | 109240535 |
|---|---|
| Date | Jul 31, 2019 |
| Book Page | 010924/000535 |
| Instrument | 159587 |
| Name | AMERICAN LIBERTY MTG |
|---|---|
| Type | Mortgage Company |
| Address | DENVER, CO 80211 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 30, 2049 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $206,742 (+2.7%) | $313,482 (-3.07%) Land $61,913 Building $251,569 | |
| 2025 | $2,131.00 (-21.13%) Homeowner's exemption | $201,307 (+5.99%) | $323,405 (-1.78%) Land $61,913 Building $261,492 |
| 2024 | $2,702.00 (+7.56%) | ||
| 2023 | $2,512.00 (+3.12%) Homeowner's exemption | $189,936 (+3%) | $329,259 (+2.21%) Land $60,413 Building $268,846 |
| 2022 | $2,436.00 Homeowner's exemption | $184,404 | $322,152 Land $49,845 Building $272,307 |
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 12 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 12 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 | Low lower than 99.1% of the US · lower than 98.7% 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.
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 105 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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