235 Broad St, Winter Haven, FL 33881 Property Records

Polk County property record for 235 Broad St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,117 sqft · built 2014
Lot Size	0.266 acres (11,570 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Dec 2021)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Sep 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-14-533502-000090`

Property Details

APN / Parcel Number

Primary APN	`26-28-14-533502-000090`
Alternative APNs	`142826533502000090` `42826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,117 sqft Living Area
Gross Area	2,777 sqft
1st Floor Area	2,117 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	11,570 sqft (0.266 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	660 sqft
Porch	Finished/Open Porch
Porch Area	250 sqft

Location & Zoning

Street Address	235 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 9
Legal Range	26E
Legal Township	28S
Legal Section	14
Legal Subdivision	HAMPTON COVE
Legal Tract	533502
Legal Block	2
Legal Lot Number	9
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 September 28, 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	235 BROAD ST, WINTER HAVEN, FL 33881-9025
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2021	Special Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP
Sep 30, 2021	Warranty Deed, Transfer ZILLOW CLOSING SERVICES LLC, ZILLOW CLOSING SVCS POST CLO
Dec 29, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2021 · Amount on Record
Deed Sale	Dec 10, 2021 · Amount on Record
Prior Sale	Sep 30, 2021 · Amount on Record
Deed Document Number	2021322178
Deed Book / Page	12021 / 1212
Record Updated	Oct 29, 2026

December 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 10, 2021
Property Address	235 BROAD ST, WINTER HAVEN, FL 33881-9025
Document Number	0000322178
Book / Page	12021 / 1212
Map Reference	MB 147 PG 18
Instrument Date	Nov 30, 2021
Instrument	20210322178
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,415.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4343 N SCOTTSDALE RD STE 390, 4343, SCOTTSDALE, AZ 85251-3347

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 BROAD ST, WINTER HAVEN, FL 33881-9025

Mortgage

Document Number	0120211214
Date	Dec 10, 2021
Instrument	12021/1214

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 30, 2021
Property Address	235 BROAD ST, WINTER HAVEN, FL 33881-9025
Document Number	0000256311
Book / Page	11918 / 1388
Map Reference	MB 147 PG 16-18
Instrument Date	Sep 28, 2021
Instrument	2021256311
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	ZILLOW CLOSING SERVICES LLC, ZILLOW CLOSING SVCS POST CLO

Transaction

Amount	Amount Recorded
Tax	$2,315.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	235 BROAD ST, 235, WINTER HAVEN, FL 33881-9025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4343 N SCOTTSDALE RD STE 390, 390, SCOTTSDALE, AZ 85251-3347
Investor	Possibly a Property Investor

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	235 BROAD ST, WINTER HAVEN, FL 33881-9025
Document Number	0115300629
Instrument Date	Dec 29, 2020
Transaction Type	Mortgage
Record Updated	Jan 26, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	235 BROAD ST WINTER HAVEN FL 338819025, WINTER HAVEN, FL 33881-9025

Mortgage

Document Number	0115300629
Date	Jan 8, 2021
Book Page	011530/000629
Instrument	5136

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jan 7, 2046

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		$305,797 (-2.12%) Land $70,000 Building $235,797	$305,797 (-3.05%) Land $70,000 Building $235,797
2025	Homeowner's exemption	$312,428 (+5.99%)	$315,403 (-8.46%) Land $70,000 Building $245,403
2023	Homeowner's exemption	$294,780	$344,546 Land $68,000 Building $276,546

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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