2103 Sheffield Rd, Winter Haven, FL 33880 Property Records

Polk County property record for 2103 Sheffield Rd, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,612 sqft · built 1953
Lot Size	0.385 acres (16,766 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Feb 2024)
Tax Bill	$1,438 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Oct 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-29-10-000000-022070`

Property Details

APN / Parcel Number

Primary APN	`25-29-10-000000-022070`
Alternative APNs	`102925000000022070` `02925000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,612 sqft Living Area
1st Floor Area	1,612 sqft
Flooring	Tile
Interior Walls	Wood

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1992
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	16,766 sqft (0.385 acres)
Lot Dimensions	155 ft deep x 120 ft wide
View / Lot	Commercial/Industrial
Garage Type	Detached
Garage Area	288 sqft

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	60 sqft
Shed	1 Shed
Utility Building	40 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	2103 SHEFFIELD RD
City	WINTER HAVEN
State	FL
Zip	33880-4816
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BEG SE COR W1/2 OF SE1/4 OF SE1/4 RUN N 120 FT W 180 FT S 120 FT E 180 FT TO BEG LESS E 25 FT FOR RD & LESS MAINT R/W
Legal Range	25E
Legal Township	29S
Legal Section	10
Legal Subdivision	ALAMEDA HEIGHTS
Legal Tract	000000
Legal Block	1
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1012
Census Tract	14704

Owner

Source: Polk County records · APN 25-29-10-000000-022070

Assessment roll updated June 23, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	2103 SHEFFIELD RD, WINTER HAVEN, FL 33880-4816
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2024	Warranty Deed, Transfer · Conventional Mortgage GARDNER FINANCIAL SERVICES LTD
Oct 03, 2023	Warranty Deed, Transfer RIDGE SECURITY TITLE INC
Jun 30, 2022	Warranty Deed, Transfer FLORIDA PROFESSIONAL TITLE INC, FLORIDA PROFESSIONAL TTL INC
Apr 23, 2019	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 22, 2024 · Amount on Record
Deed Sale	Feb 22, 2024 · Amount on Record
Prior Sale	Oct 03, 2023 · Amount on Record
Deed Document Number	202441364
Deed Book / Page	13014 / 1130
Record Updated	Sep 20, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 22, 2024
Property Address	2103 SHEFFIELD RD, WINTER HAVEN, FL 33880-4816
Document Number	0000041364
Book / Page	13014 / 1130
Instrument Date	Feb 20, 2024
Instrument	2024041364
Transaction Type	Transfer
Record Updated	Mar 06, 2024
Title Company	RIDGE SECURITY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8154 JAMESTOWN DR, WINTER HAVEN, FL 33884-4813

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2103 SHEFFIELD RD, WINTER HAVEN, FL 33880-4816

Mortgage

Document Number	0130141132
Date	Feb 22, 2024
Instrument	13014/1132

Lender

Name	GARDNER FINANCIAL SERVICES LTD
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2054

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 03, 2023
Property Address	2103 SHEFFIELD RD, WINTER HAVEN, FL 33880-4816
Document Number	0000231549
Book / Page	12857 / 690
Instrument Date	Sep 27, 2023
Instrument	2023231549
Transaction Type	Transfer
Record Updated	Oct 17, 2023
Title Company	RIDGE SECURITY TITLE INC

Transaction

Amount	Amount Recorded
Tax	$1,715.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	84 PROSPECT AVE, WAHNETA, FL 33880-5337

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2103 SHEFFIELD RD, WAHNETA, FL 33880-4816

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 30, 2022
Property Address	2103 SHEFFIELD RD, WINTER HAVEN, FL 33880-4816
Document Number	0000179840
Book / Page	12321 / 38
Instrument Date	Jun 29, 2022
Instrument	2022179840
Transaction Type	Transfer
Record Updated	Jul 18, 2022
Title Company	FLORIDA PROFESSIONAL TITLE INC, FLORIDA PROFESSIONAL TTL INC

Transaction

Amount	Amount Recorded
Tax	$1,680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2103 SHEFFIELD RD, 2103, WINTER HAVEN, FL 33880-4816

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	84 PROSPECT AVE, WINTER HAVEN, FL 33880-5337

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	2103 SHEFFIELD RD, WINTER HAVEN, FL 33880-4816
Document Number	0108301429
Instrument Date	Apr 23, 2019
Transaction Type	Mortgage
Record Updated	May 16, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2103 SHEFFIELD RD WINTER HAVEN FL 338804816, WINTER HAVEN, FL 33880-4816

Mortgage

Document Number	0108301429
Date	May 03, 2019
Book Page	010830/001429
Instrument	91075

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	May 02, 2024

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,438.00 (-56.16%) Homeowner's exemption	$151,451 (-21.25%)	$215,688 (+12.15%) Land $17,004 Building $198,684
2023	$3,280.00 (+594.92%)	$192,321 (+203.91%) Land $16,350 Building $175,971	$192,321 (+5.59%) Land $16,350 Building $175,971
2022	$472.00	$63,283	$182,140 Land $13,734 Building $168,406

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	High above 70% of the US · above 51% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile USA.

Based on FCC filings for 60 locations within half a mile of this property.

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