22 Lake Ave, Winter Haven, FL 33880 Property Records

Polk County property record for 22 Lake Ave, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,936 sqft · built 1973
Lot Size	0.749 acres (32,622 sqft)
Owner	2 Individual Names on File
Last Sale	$142,000 (Sep 2003)
Tax Bill	$1,028 (2025)
Deeds & Mortgages	Jul 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-29-01-000000-043020`

Property Details

APN / Parcel Number

Primary APN	`25-29-01-000000-043020`
Alternative APNs	`012925000000043020` `12925000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,936 sqft Living Area
Gross Area	1,600 sqft
1st Floor Area	1,600 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	32,622 sqft (0.749 acres)
Lot Dimensions	148 ft deep x 220 ft wide
View / Lot	Commercial/Industrial
Garage Type	Detached
Garage Area	400 sqft
Pool Area	450 sqft
Porch	Screened/Unfinished Porch
Porch Area	547 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	22 LAKE AVE
City	WINTER HAVEN
State	FL
Zip	33880-4947
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE1
Legal Description	LOT 8 OF UNREC SURVEY BEING DESC AS: COMM NW COR LOT 1 AQUALANE HGTS PB 37 PG 31 RUN W 51.24 FT S 12 DEG 40 MIN 00 SEC W 505.24 FT TO POB CONT S 12 DEG 40 MIN 00 SEC W 126.52 FT TO PC OF CURVE RUN ALONG CURVE S 19 DEG 05 MIN 45 SEC W 93.48 FT N 74 DE
Legal Range	25E
Legal Township	29S
Legal Section	01
Legal Subdivision	BINGHAM J A JR PROP
Legal Tract	000000
Legal Block	3
Legal Lot Number	8,1
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	3
Census Block	3012
Census Tract	14701

Owner

22 Lake Ave is owned and occupied by two individuals who bought it in September 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	22 LAKE AVE, WINTER HAVEN, FL 33880-4947
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2003 · Amount on File
Deed Sale	Sep 16, 2003 · Amount on File
Prior Sale	Oct 2, 1998 · Amount on File
Deed Document Number	2003185899
Deed Book / Page	5513 / 453
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Jul 28, 2026
Property Address	22 LAKE AVE, WINTER HAVEN, FL 33880-4947
Document Number	0000179835
Book / Page	14091 / 2057
Instrument Date	Jul 22, 2026
Instrument	2026179835
Transaction Type	Mortgage
Record Updated	Aug 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 LAKE AVE, WINTER HAVEN, FL 33880-4947

Mortgage

Document Number	0000179835,
Date	Jul 28, 2026
Book Page	14091/2057
Instrument	2026179835

Lender

Name	MIDFLORIDA CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 22 Lake Ave was $1,028 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$122,978 (+2.7%)	$265,377 (+2.54%) Land $30,624 Building $234,753
2025	$1,028.00 Homeowner's exemption	$119,745	$258,811 Land $30,624 Building $228,187
2023	$1,450.00 (+4.39%) Homeowner's exemption	$112,981 (+3%)	$251,494 (+11.69%) Land $29,667 Building $221,827
2022	$1,389.00 Homeowner's exemption	$109,690	$225,173 Land $24,882 Building $200,291

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

Flood

FEMA maps place 22 Lake Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 39 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	2 (2022)
Most Recent Claim	Oct 2022 · Hurricane Ian

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 22 Lake Ave is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20