221 Franklin Ct, Winter Haven, FL 33881 Property Records

Polk County property record for 221 Franklin Ct, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,391 sqft · built 2014
Lot Size	0.354 acres (15,412 sqft)
Owner	2 Individual Names on File
Last Sale	$404,500 (Mar 2023)
Tax Bill	$6,504 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-14-533502-000040`

Property Details

APN / Parcel Number

Primary APN	`26-28-14-533502-000040`
Alternative APNs	`142826533502000040` `42826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,391 sqft Living Area
Gross Area	3,087 sqft
1st Floor Area	2,391 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	15,412 sqft (0.354 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	696 sqft
Porch	Screened/Unfinished Porch
Porch Area	248 sqft

Location & Zoning

Street Address	221 FRANKLIN CT
City	WINTER HAVEN
State	FL
Zip	33881-9033
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMPTON COVE PB 147 PG 16-18 LOT 4
Legal Range	26E
Legal Township	28S
Legal Section	14
Legal Subdivision	HAMPTON COVE
Legal Tract	533502
Legal Block	2
Legal Lot Number	4
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2019
Census Tract	12802

Owner

221 Franklin Ct is owned and occupied by two individuals who bought it in March 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	221 FRANKLIN CT, WINTER HAVEN, FL 33881-9033
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

Date	Document
Mar 21, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jul 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK
Jul 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK
Jul 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSAL MTG & FIN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2023 · Amount on File
Deed Sale	Mar 21, 2023 · Amount on File
Prior Sale	Aug 8, 2014 · Amount on File
Deed Document Number	202364945
Deed Book / Page	12622 / 1579
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 21, 2023
Property Address	221 FRANKLIN CT, WINTER HAVEN, FL 33881-9033
Document Number	0000064945
Book / Page	12622 / 1579
Map Reference	MB 147 PG 16-18
Instrument Date	Mar 15, 2023
Instrument	2023064945
Transaction Type	Transfer
Record Updated	Apr 7, 2023
Title Company	CORTITLE LLC, CORETITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,831.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3032 CHERRY BLOSSOM LOOP, SAINT CLOUD, FL 34771-9324

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	221 FRANKLIN CT, WINTER HAVEN, FL 33881-9033

Mortgage

Document Number	0126221581
Date	Mar 21, 2023
Instrument	12622/1581

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2038

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	221 FRANKLIN CT, WINTER HAVEN, FL 33881-9033
Document Number	0112691746
Instrument Date	Jul 9, 2019
Transaction Type	Mortgage
Record Updated	Jul 8, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	221 FRANKLIN CT WINTER HAVEN FL 338819033, WINTER HAVEN, FL 33881-9033

Mortgage

Document Number	0112691746
Date	Jun 18, 2020
Book Page	011269/001746
Instrument	121327

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 17, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	221 FRANKLIN CT, WINTER HAVEN, FL 33881-9033
Document Number	0109070633
Instrument Date	Jul 9, 2019
Transaction Type	Mortgage
Record Updated	Jul 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	221 FRANKLIN CT WINTER HAVEN FL 338819033, WINTER HAVEN, FL 33881-9033

Mortgage

Document Number	0109070633
Date	Jul 15, 2019
Book Page	010907/000633
Instrument	147076

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 14, 2049

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	221 FRANKLIN CT, WINTER HAVEN, FL 33881-9033
Document Number	0102122135
Book / Page	010212 / 002135
Instrument Date	Jul 10, 2017
Transaction Type	Mortgage
Record Updated	Aug 2, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	221 FRANKLIN CT WINTER HAVEN FL 338819033, WINTER HAVEN, FL 33881-9033

Mortgage

Document Number	0102122135
Date	Jul 24, 2017
Book Page	010212/002135
Instrument	140525

Lender

Name	UNIVERSAL MTG & FIN
Type	Mortgage Company
Address	EDGEWATER, MD 21037

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 23, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 221 Franklin Ct was $6,504.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$336,626 (-1.56%) Land $70,000 Building $266,626	$336,626 (-1.56%) Land $70,000 Building $266,626
2025	$6,504.00	$341,947 Land $70,000 Building $271,947	$341,947 Land $70,000 Building $271,947
2023	$2,277.00 (-0.57%)	$200,743 (+3%)	$373,412 (+19.7%) Land $68,000 Building $305,412
2022	$2,290.00 Homeowner's exemption	$194,896	$311,963 Land $56,000 Building $255,963

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 221 Franklin Ct 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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	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 221 Franklin Ct is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 63% of the US · lower than 61% of Florida
Wildfire Likelihood	0.2% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 102 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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