Polk County property record for 207 Towhee Rd, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,256 sqft · built 2005 |
| Lot Size | 0.344 acres (14,993 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $360,000 (Feb 2022) |
| Tax Bill | $5,756 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Sep 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-13-532313-000350 |
| Primary APN | 26-28-13-532313-000350 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,256 sqft Living Area |
| Gross Area | 2,696 sqft |
| 1st Floor Area | 2,256 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 14,993 sqft (0.344 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Pool Type | Enclosed Pool |
| Porch | Screened/Unfinished Porch |
| Porch Area | 365 sqft |
| Street Address | 207 TOWHEE RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33881-8247 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HAMILTON WEST PHASE ONE PB 121 PGS 22 & 23 LOT 35 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 13 |
| Legal Subdivision | HAMILTON WEST PHASE ONE |
| Legal Phase | 1 |
| Legal Tract | 532313 |
| Legal Block | 2 |
| Legal Lot Number | 35 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 12802 |
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 | 207 TOWHEE RD, WINTER HAVEN, FL 33881-8247 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 15, 2026 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
| Sep 5, 2023 | Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE |
| Feb 9, 2022 | Warranty Deed, Transfer · FHA Mortgage NATIONWIDE MORTGAGE BANKERS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 9, 2022 · Amount on Record |
| Deed Sale | Feb 9, 2022 · Amount on Record |
| Prior Sale | Apr 21, 2005 · Amount on Record |
| Deed Document Number | 202236734 |
| Deed Book / Page | 12110 / 2250 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 15, 2026 |
| Property Address | 207 TOWHEE RD, WINTER HAVEN, FL 33881-8247 |
| Document Number | 0000142009 |
| Book / Page | 14037 / 1692 |
| Instrument Date | May 21, 2026 |
| Instrument | 2026142009 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 207 TOWHEE RD, WINTER HAVEN, FL 33881-8247 |
| Document Number | 0000142009, |
|---|---|
| Date | Jun 15, 2026 |
| Book Page | 14037/1692 |
| Instrument | 2026142009 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 309 Months |
| Due | Mar 1, 2052 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 207 TOWHEE RD, WINTER HAVEN, FL 33881-8247 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 207 TOWHEE RD, WINTER HAVEN, FL 33881-8247 |
| Document Number | 0000208296 |
|---|---|
| Date | Sep 5, 2023 |
| Book Page | 12825/1059 |
| Instrument | 2023208296 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32256 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 342 Months |
| Due | Mar 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 9, 2022 |
| Property Address | 207 TOWHEE RD, WINTER HAVEN, FL 33881-8247 |
| Document Number | 0000036734 |
| Book / Page | 12110 / 2250 |
| Map Reference | MB 121 PG 22 |
| Instrument Date | Jan 13, 2022 |
| Instrument | 2022036734 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,520.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 60 CONNAUGHT RD, 60, ENGLAND XX |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 207 TOWHEE RD, WINTER HAVEN, FL 33881-8247 |
| Document Number | 0121102251 |
|---|---|
| Date | Feb 9, 2022 |
| Instrument | 12110/2251 |
| Name | NATIONWIDE MORTGAGE BANKERS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $308,429 (+0.18%) Land $60,000 Building $248,429 | $308,429 (+0.18%) Land $60,000 Building $248,429 | |
| 2025 | $5,756.00 (-9.65%) | $307,887 (-8.73%) Land $60,000 Building $247,887 | $307,887 (-8.73%) Land $60,000 Building $247,887 |
| 2023 | $6,371.00 (+29.81%) | $337,349 (+19.14%) Land $58,000 Building $279,349 | $337,349 (+19.14%) Land $58,000 Building $279,349 |
| 2022 | $4,908.00 | $283,150 Land $48,000 Building $235,150 | $283,150 Land $48,000 Building $235,150 |
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 |
|---|---|
| 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 |
|
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 | Moderate above 59% of the US · lower than 67% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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.
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 127 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 |
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