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203 Broad St, Winter Haven, FL 33881 Property Records

Polk County property record for 203 Broad St, Winter Haven, FL 33881

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,391 sqft · built 2014
Lot Size0.283 acres (12,332 sqft)
Owner2 Individual Names on File
Last Sale$430,000 (Aug 2023)
Tax Bill$5,639 (2025)
Deeds & MortgagesAug 2023 Sale & Mortgage
Nov 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-14-533502-000570

Property Details

APN / Parcel Number

Primary APN26-28-14-533502-000570
Alternative APNs
  • 142826533502000570
  • 42826000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,391 sqft Living Area
Gross Area3,087 sqft
1st Floor Area2,391 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2014
Effective Year BuiltEffective 2014
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area12,332 sqft (0.283 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area696 sqft
PorchScreened/Unfinished Porch
Porch Area248 sqft
Shed1 Shed

Location & Zoning

Street Address203 BROAD ST
CityWINTER HAVEN
StateFL
Zip33881-9025
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHAMPTON COVE PB 147 PG 16-18 LOT 57
Legal Range26E
Legal Township28S
Legal Section14
Legal SubdivisionHAMPTON COVE
Legal Tract533502
Legal Block2
Legal Lot Number57
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2019
Census Tract12802

Owner

203 Broad St is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record2 Individual Names on File
Mailing Address203 BROAD ST, WINTER HAVEN, FL 33881-9025
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Aug 16, 2023Warranty Deed, Transfer · VA Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 19, 2021Intrafamily Transfer, Transfer · FHA Mortgage
TOP FLITE FINANCIAL INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 16, 2023 · Amount on File
Deed SaleAug 16, 2023 · Amount on File
Prior SaleNov 19, 2021
Deed Document Number2023192929
Deed Book / Page12804 / 589
Prior Transfer DateAug 6, 2021
Prior Transfer Doc0000304509
Record UpdatedOct 29, 2026

August 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateAug 16, 2023
Property Address203 BROAD ST, WINTER HAVEN, FL 33881-9025
Document Number0000192929
Book / Page12804 / 589
Map ReferenceMB 147 PG 16-18
Instrument DateAug 10, 2023
Instrument2023192929
Transaction TypeTransfer
Record UpdatedAug 30, 2023
Title CompanySMART TITLE II LLC, SMART TITLE LLC

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,010.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address7373 HUNTINGTON SUMMIT BLVD, LAKELAND, FL 33810-4486

Transferred To (Grantee/Buyer)

NameVerified Name
Address203 BROAD ST, WINTER HAVEN, FL 33881-9025

Mortgage

Document Number0012804591
DateAug 16, 2023
Instrument12804/591
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2053

November 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPOLK FL
Recording DateNov 19, 2021
Property Address203 BROAD ST, WINTER HAVEN, FL 33881-9025
Document Number0000304509
Book / Page11993 / 588
Map ReferenceMB 147 PG 16-18
Instrument DateAug 6, 2021
Instrument2021304509
Transaction TypeTransfer
Record UpdatedAug 2, 2022
Title CompanyTIMIOS INC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address203 BROAD ST, WINTER HAVEN, FL 33881-9025

Mortgage

Document Number0011993590
DateNov 19, 2021
Instrument11993/590
Lender
NameTOP FLITE FINANCIAL INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term358 Months
DueSep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 203 Broad St was $5,639 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$328,926 (-3.26%) Land $70,000 Building $258,926$328,926 (-3.26%) Land $70,000 Building $258,926
2025$5,639.00$340,011 Land $70,000 Building $270,011$340,011 Land $70,000 Building $270,011
2023$2,897.00 (+2.88%) Homeowner's exemption$193,428 (+3%)$375,402 (+20.2%) Land $68,000 Building $307,402
2022$2,816.00 Homeowner's exemption$187,794$312,322 Land $56,000 Building $256,322

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

FEMA maps place 203 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 39 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies39 in force
Nearby Flood Claims3 (2022–2023)
Claims Outside the SFHA3 of 3
Most Recent ClaimAug 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 203 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 RiskModerate
above 64% of the US · above 40% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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

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

May also be available: Verizon.

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