229 Franklin Ct, Winter Haven, FL 33881 Property Records

Polk County property record for 229 Franklin Ct, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,072 sqft · built 2013
Lot Size	0.307 acres (13,377 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Jan 2014)
Deeds & Mortgages	Apr 2022 Second Mortgage Dec 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-14-533502-000020`

Property Details

APN / Parcel Number

Primary APN	`26-28-14-533502-000020`
Alternative APNs	`142826533502000020` `42826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,072 sqft Living Area
Gross Area	3,649 sqft
1st Floor Area	3,072 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	13,377 sqft (0.307 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	577 sqft
Pool Type	Enclosed Pool
Porch	Finished/Open Porch
Porch Area	332 sqft

Location & Zoning

Street Address	229 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 2
Legal Range	26E
Legal Township	28S
Legal Section	14
Legal Subdivision	HAMPTON COVE
Legal Tract	533502
Legal Block	2
Legal Lot Number	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2019
Census Tract	12802

Owner

229 Franklin Ct is owned and occupied by two individuals who bought it in January 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	229 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
Apr 19, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Dec 24, 2020	Deed of Trust, Mortgage · VA Mortgage LOANLEADERS/AMERICA
Oct 26, 2018	Deed of Trust, Mortgage · VA Mortgage WEI MTG
Mar 28, 2018	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Aug 8, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2014 · Amount on File
Deed Sale	Jan 13, 2014 · Amount on File
Prior Sale	Mar 22, 2013 · Amount on File
Deed Document Number	20146089
Deed Book / Page	9154 / 1011
Prior Transfer Date	Nov 22, 2006
Prior Transfer Doc	0000284123
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	229 FRANKLIN CT, WINTER HAVEN, FL 33881-9033
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	229 FRANKLIN CT, WINTER HAVEN, FL 33881-9033

Mortgage

Document Number	0000105518
Date	Apr 19, 2022
Book Page	12214/987
Instrument	2022105518

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 19, 2037

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	229 FRANKLIN CT, WINTER HAVEN, FL 33881-9033
Document Number	0115220621
Instrument Date	Dec 24, 2020
Transaction Type	Mortgage
Record Updated	Jan 20, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	229 FRANKLIN CT WINTER HAVEN FL 338819033, WINTER HAVEN, FL 33881-9033

Mortgage

Document Number	0115220621
Date	Jan 4, 2021
Book Page	011522/000621
Instrument	227

Lender

Name	LOANLEADERS/AMERICA
Type	Funding / Finance Company
Address	IRVINE, CA 92614

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	229 FRANKLIN CT, WINTER HAVEN, FL 33881-9033
Document Number	0106630221
Instrument Date	Oct 26, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	229 FRANKLIN CT WINTER HAVEN FL 338819033, WINTER HAVEN, FL 33881-9033

Mortgage

Document Number	0106630221
Date	Nov 6, 2018
Book Page	010663/000221
Instrument	233021

Lender

Name	WEI MTG
Type	Mortgage Company
Address	MCLEAN, VA 22102

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2048

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	229 FRANKLIN CT, WINTER HAVEN, FL 33881-9033
Document Number	0104450297
Instrument Date	Mar 28, 2018
Transaction Type	Mortgage
Record Updated	Jul 16, 2018
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	229 FRANKLIN CT

Mortgage

Document Number	0104450297
Date	Apr 5, 2018
Book Page	010445/000297
Instrument	72599

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 4, 2048

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	229 FRANKLIN CT, WINTER HAVEN, FL 33881-9033
Document Number	0102351908
Book / Page	010235 / 001908
Instrument Date	Aug 8, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	229 FRANKLIN CT WINTER HAVEN FL 338819033, WINTER HAVEN, FL 33881-9033

Mortgage

Document Number	0102351908
Date	Aug 16, 2017
Book Page	010235/001908
Instrument	158204

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 15, 2047

Tax Assessment & Valuation

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		$247,137 (+2.7%)	$434,615 (+3.38%) Land $70,000 Building $364,615
2025	Homeowner's exemption	$240,640	$420,400 Land $70,000 Building $350,400
2023	Homeowner's exemption	$227,047	$464,274 Land $68,000 Building $396,274

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

Flood

FEMA maps place 229 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 229 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

Nearby Properties on Franklin Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures