231 Broad St, Winter Haven, FL 33881 Property Records

Polk County property record for 231 Broad St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,887 sqft · built 2013
Lot Size	0.275 acres (11,996 sqft)
Owner	2 Individual Names on Record
Last Sale	$322,500 (May 2018)
Deeds & Mortgages	Sep 2026 Mortgage May 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-14-533502-000080`

Property Details

APN / Parcel Number

Primary APN	`26-28-14-533502-000080`
Alternative APNs	`142826533502000080` `42826000`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,887 sqft Living Area
Gross Area	4,525 sqft
1st Floor Area	1,812 sqft
Upper Floors Area	2,075 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	11,996 sqft (0.275 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	638 sqft
Porch	Unfinished Open Porch
Porch Area	214 sqft

Location & Zoning

Street Address	231 BROAD ST
City	WINTER HAVEN
State	FL
Zip	33881-9025
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMPTON COVE PB 147 PG 16-18 LOT 8
Legal Range	26E
Legal Township	28S
Legal Section	14
Legal Subdivision	HAMPTON COVE
Legal Tract	533502
Legal Block	2
Legal Lot Number	8
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2019
Census Tract	12802

Owner

Source: Polk County records, as of October 7, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	231 BROAD ST, WINTER HAVEN, FL 33881-9025
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORPORATION
May 18, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 16, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 4, 2018	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2018 · Amount on Record
Deed Sale	May 4, 2018 · Amount on Record
Prior Sale	Jan 10, 2014 · Amount on Record
Deed Document Number	201896232
Deed Book / Page	10475 / 1211
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Sep 25, 2026
Property Address	231 BROAD ST, WINTER HAVEN, FL 33881-9025
Document Number	0000232530
Book / Page	14167 / 390
Instrument Date	Sep 18, 2026
Instrument	2026232530
Transaction Type	Mortgage
Record Updated	Oct 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	231 BROAD ST, WINTER HAVEN, FL 33881-9025

Mortgage

Document Number	0000232530,
Date	Sep 25, 2026
Book Page	14167/390
Instrument	2026232530

Lender

Name	AMERISAVE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

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

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	231 BROAD ST, WINTER HAVEN, FL 33881-9025
Transaction Type	Mortgage
Record Updated	May 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 BROAD ST, WINTER HAVEN, FL 33881-9025

Mortgage

Document Number	0000136367
Date	May 18, 2022
Book Page	12259/862
Instrument	2022136367

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	231 BROAD ST, WINTER HAVEN, FL 33881-9025
Transaction Type	Mortgage
Record Updated	May 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 BROAD ST, WINTER HAVEN, FL 33881-9025

Mortgage

Document Number	0000097426
Date	Apr 16, 2021
Book Page	11672/223
Instrument	2021097426

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	326 Months
Due	Jun 1, 2048

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 4, 2018
Property Address	231 BROAD ST, WINTER HAVEN, FL 33881-9025
Document Number	0104751211
Book / Page	010475 / 001211
Instrument Date	Apr 30, 2018
Instrument	96232
Transaction Type	Transfer
Record Updated	May 18, 2018
Title Company	HAVEN TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,257.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	231 BROAD ST WINTER HAVEN FL 338819025, WINTER HAVEN, FL 33881-9025

Mortgage

Document Number	104751214
Date	May 4, 2018
Book Page	010475/001214
Instrument	96233

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 3, 2048

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		$321,766 (+2.7%)	$415,329 (-1.65%) Land $70,000 Building $345,329
2025	Homeowner's exemption	$313,307 (+5.99%)	$422,280 (-8.83%) Land $70,000 Building $352,280
2023	Homeowner's exemption	$295,609	$463,177 Land $68,000 Building $395,177

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

Flood

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 Record 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

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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