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231 Turtle Bay Ave, Winter Haven, FL 33881 Property Records

Polk County property record for 231 Turtle Bay Ave, Winter Haven, FL 33881

Property Summary

Property TypeTownhouse
Details3 bd · 2 ba · 1,606 sqft · built 2025
Lot Size0.051 acres (2,200 sqft)
Owner2 Individual Names on Record
Last Sale$234,990 (Mar 2026)
Tax Bill$560 (2025)
Deeds & MortgagesMar 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-01-521040-001780

Property Details

APN / Parcel Number

Primary APN26-28-01-521040-001780
Alternative APN
  • 012826521040001780

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,606 sqft Living Area
1st Floor Area726 sqft

Exterior

Year BuiltBuilt 2025
Effective Year BuiltEffective 2025
Architectural StyleTownhouse
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeHip
Roof MaterialOther
Lot Area2,200 sqft (0.051 acres)
View / LotCommercial/Industrial
PorchUnfinished Open Porch

Location & Zoning

Street Address231 TURTLE BAY AVE
CityWINTER HAVEN
StateFL
Zip33881-7314
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Legal DescriptionHARBOR AT LAKE HENRY PB 208 PGS 29-32 LOT 178
Legal SubdivisionHARBOR AT LAKE HENRY
Legal Lot Number178
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group1
Census Block1007
Census Tract12802

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address231 TURTLE BAY AVE, WINTER HAVEN, FL 33881-7314
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 16, 2026 · Amount on Record
Deed SaleMar 16, 2026 · Amount on Record
Prior SaleJul 22, 2025 · Amount on Record
Deed Document Number202661842
Deed Book / Page13917 / 1626
Record UpdatedOct 29, 2026

March 2026: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionPOLK FL
Recording DateMar 16, 2026
Property Address231 TURTLE BAY AVE, WINTER HAVEN, FL 33881-7314
Document Number0000061842
Book / Page13917 / 1626
Map ReferenceMB 208 PG 29-32
Instrument DateMar 11, 2026
Instrument2026061842
Transaction TypeTransfer
Record UpdatedMar 30, 2026
Title CompanyINNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,645.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

NameVerified Name
Address231 TURTLE BAY AVE, WINTER HAVEN, FL 33881-7314

Mortgage

Document Number0139171631
DateMar 16, 2026
Instrument13917/1631
Lender
NameVANDERBILT MORTGAGE & FINANCE INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2056

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$200,000 (+566.67%) Land $100 Building $199,900$200,000 (+566.67%) Land $100 Building $199,900
2025$560.00$30,000 Land $30,000$30,000 Land $30,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 35 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies35 in force
Nearby Flood Claims13 (1998–2022)
Claims Outside the SFHA5 of 13
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Frances, Sep 2004 · 8 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 RiskModerate
above 61% of the US · lower than 64% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation

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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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 393 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
AT&T
Fixed Wireless		100 / 20

May also be available: Frontier, Verizon.

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