Polk County property record for 229 Arbuthnot St, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,925 sqft · built 2021 |
| Lot Size | 0.144 acres (6,251 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $47,000 (Mar 2021) |
| Tax Bill | $4,320 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Mar 2021 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-08-529016-000550 |
| Primary APN | 26-28-08-529016-000550 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,925 sqft Living Area |
| Gross Area | 2,345 sqft |
| 1st Floor Area | 1,925 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 6,251 sqft (0.144 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 253 sqft |
| Street Address | 229 ARBUTHNOT ST |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33881-9516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SANCTUARY BY THE LAKE PHASE ONE PB 181 PG 1-5 LOT 55 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 08 |
| Legal Subdivision | SANCTUARY BY THE LAKE PHASE ONE |
| Legal Phase | 1 |
| Legal Block | 1 |
| Legal Lot Number | 55 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 13601 |
229 Arbuthnot St is owned and occupied by two individuals who bought it in March 2021.
Source: Polk County records, as of October 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 229 ARBUTHNOT ST, WINTER HAVEN, FL 33881-9516 |
| 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.
| Date | Document |
|---|---|
| Mar 3, 2026 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Mar 11, 2021 | Warranty Deed, Construction Loan · Construction Mortgage FBC MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 11, 2021 · Amount on File |
| Deed Sale | Mar 11, 2021 · Amount on File |
| Deed Document Number | 202162447 |
| Deed Book / Page | 11618 / 232 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 229 ARBUTHNOT ST, WINTER HAVEN, FL 33881-9516 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 229 ARBUTHNOT ST, WINTER HAVEN, FL 33881-9516 |
| Document Number | 0000050783 |
|---|---|
| Date | Mar 3, 2026 |
| Book Page | 13901/1581 |
| Instrument | 2026050783 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 307 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 11, 2021 |
| Property Address | 229 ARBUTHNOT ST, WINTER HAVEN, FL 33881-9516 |
| Document Number | 0000062447 |
| Book / Page | 11618 / 232 |
| Map Reference | MB 181 PG 1-5 |
| Instrument Date | Mar 9, 2021 |
| Instrument | 2021062447 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 23, 2023 |
| Title Company | INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC |
| Amount | Amount on Record |
|---|---|
| Tax | $329.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1925F E EDGEWOOD DR # 100100, 100100, LAKELAND, FL 33803-3415 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | PO BOX 592554, ORLANDO, FL 32859-2554 |
| Document Number | 0011618233 |
|---|---|
| Date | Mar 11, 2021 |
| Instrument | 11618/233 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 369 Months |
| Due | Dec 1, 2051 |
The 2025 property tax bill for 229 Arbuthnot St was $4,320 with a homeowner's exemption.
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 | $265,588 (-1.89%) Land $46,000 Building $219,588 | $265,588 (-2.24%) Land $46,000 Building $219,588 | |
| 2025 | $4,320.00 Homeowner's exemption | $270,700 | $271,680 Land $46,000 Building $225,680 |
| 2023 | $4,090.00 (+2.63%) Homeowner's exemption | $255,409 (+3%) | $287,925 (+16.11%) Land $44,000 Building $243,925 |
| 2022 | $3,985.00 Homeowner's exemption | $247,970 Land $44,000 Building $203,970 | $247,970 Land $44,000 Building $203,970 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 229 Arbuthnot St 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 10 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 1 (2022) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 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 risk around 229 Arbuthnot St is moderate, ranking above 54% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 54% of the US · lower than 74% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 253 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Frontier.
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