233 Franklin Ct, Winter Haven, FL 33881 Property Records

Polk County property record for 233 Franklin Ct, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,956 sqft · built 2014
Lot Size	0.465 acres (20,268 sqft)
Owner	Individual Name on File
Last Sale	$304,741 (Nov 2014)
Tax Bill	$4,976 (2025)
Deeds & Mortgages	May 2023 Mortgage Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-14-533502-000010`

Property Details

APN / Parcel Number

Primary APN	`26-28-14-533502-000010`
Alternative APNs	`142826533502000010` `42826000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,956 sqft Living Area
Gross Area	3,788 sqft
1st Floor Area	2,956 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	20,268 sqft (0.465 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	832 sqft
Pool Type	Enclosed Pool
Porch	Screened/Unfinished Porch
Porch Area	625 sqft

Location & Zoning

Street Address	233 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 1
Legal Range	26E
Legal Township	28S
Legal Section	14
Legal Subdivision	HAMPTON COVE
Legal Tract	533502
Legal Block	2
Legal Lot Number	1
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2019
Census Tract	12802

Owner

233 Franklin Ct is owned and occupied by an individual who bought it in November 2014.

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

Owner of Record	Individual Name on File
Mailing Address	233 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
May 25, 2023	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE INC
Feb 8, 2017	Deed of Trust, Mortgage · VA Mortgage HOME PT FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 26, 2014 · Amount on File
Deed Sale	Nov 26, 2014 · Amount on File
Prior Sale	Mar 22, 2013 · Amount on File
Deed Document Number	2014201869
Deed Book / Page	9394 / 968
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	233 FRANKLIN CT, WINTER HAVEN, FL 33881-9033
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	233 FRANKLIN CT, WINTER HAVEN, FL 33881-9033

Mortgage

Document Number	0000122119
Date	May 25, 2023
Book Page	12704/279
Instrument	2023122119

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	233 FRANKLIN CT, WINTER HAVEN, FL 33881-9033
Document Number	0100641501
Book / Page	010064 / 001501
Instrument Date	Feb 8, 2017
Transaction Type	Mortgage
Record Updated	Jun 15, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	233 FRANKLIN CT WINTER HAVEN FL 338819033, WINTER HAVEN, FL 33881-9033

Mortgage

Document Number	0100641501
Date	Feb 13, 2017
Book Page	010064/001501
Instrument	28517

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 12, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 233 Franklin Ct was $4,976 with a homeowner's exemption.

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		$313,404 (+2.7%)	$431,112 (-1%) Land $73,500 Building $357,612
2025	$4,976.00 Homeowner's exemption	$305,165	$435,469 Land $73,500 Building $361,969
2023	$4,716.00 (+2.54%) Homeowner's exemption	$287,927 (+3%)	$475,975 (+20.89%) Land $71,400 Building $404,575
2022	$4,599.00 Homeowner's exemption	$279,541	$393,736 Land $58,800 Building $334,936

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

Flood

FEMA maps place 233 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 233 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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