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2408 W Central Ave, Winter Haven, FL 33880 Property Records

Polk County property record for 2408 W Central Ave, Winter Haven, FL 33880

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,490 sqft · built 1968
Lot Size0.195 acres (8,477 sqft)
OwnerIndividual Name on File
Last Sale$250,000 (Dec 2024)
Tax Bill$1,953 (2025)
Deeds & MortgagesMay 2021 Sale & Mortgage
Aug 2017 Sale
Flood ZoneZone X (minimal risk)
APN26-28-30-635600-000861

Property Details

APN / Parcel Number

Primary APN26-28-30-635600-000861
Alternative APNs
  • 302826635600000861
  • 02826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,490 sqft Living Area
1st Floor Area1,490 sqft
FlooringTile
Interior WallsPlaster

Exterior

Year BuiltBuilt 1968
Effective Year BuiltEffective 1968
Exterior MaterialBrick
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area8,477 sqft (0.195 acres)
Lot Dimensions107 ft deep x 79 ft wide
View / LotCommercial/Industrial
Garage TypeCarport
Garage Area352 sqft
CarportCarport
Carport Area352 sqft

Exterior Amenities

PorchFinished/Open Porch
Porch Area60 sqft
Shed1 Shed
Utility Building218 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address2408 W CENTRAL AVE
CityWINTER HAVEN
StateFL
Zip33880-2246
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionHAVEN HOMES UNIT 3 PB 45 PG 11 LOTS 86 W 30 FT & E 49 FT OF 87
Legal Range26E
Legal Township28S
Legal Section30
Legal SubdivisionHAVEN HOMES UNIT 3
Legal Tract635600
Legal Block3
Legal Lot Number86
Legal Unit3
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group3
Census Block3028
Census Tract13801

Owner

2408 W Central Ave is owned and occupied by an individual who bought it in December 2024.

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 RecordIndividual Name on File
Mailing Address2408 W CENTRAL AVE, WINTER HAVEN, FL 33880-2246
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle

Deeds, Mortgages & Sale History

DateDocument
May 5, 2021Special Warranty Deed, Transfer · FHA Mortgage
WATERSTONE MORTGAGE CORP
Aug 25, 2017Warranty Deed, Transfer
SOUTHERN TITLE, SOUTHERN TITLE AND ABSTRACT INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 17, 2024 · Amount on File
Deed SaleDec 17, 2024 · Amount on File
Prior SaleMay 5, 2021 · Amount on File
Deed Document Number2024284766
Deed Book / Page13369 / 1956
Record UpdatedOct 29, 2026

May 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionPOLK FL
Recording DateMay 5, 2021
Property Address2408 W CENTRAL AVE, WINTER HAVEN, FL 33880-2246
Document Number0000116042
Book / Page11700 / 1624
Map ReferenceMB 45 PG 11
Instrument DateFeb 8, 2021
Instrument2021116042
Transaction TypeTransfer
Record UpdatedMay 20, 2021
Title CompanyDIGITAL TITLE SOLUTIONS

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,337.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address601 SHAMAN CT, 601, WINTER HAVEN, FL 33880-4993

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address2408 W CENTRAL AVE, WAHNETA, FL 33880-2246

Mortgage

Document Number0117001627
DateMay 5, 2021
Instrument11700/1627
Lender
NameWATERSTONE MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term358 Months
DueMar 1, 2051

August 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateAug 25, 2017
Property Address2408 W CENTRAL AVE, WINTER HAVEN, FL 33880-2246
Document Number0102441768
Book / Page010244 / 001768
Instrument DateAug 14, 2017
Instrument165238
Transaction TypeTransfer
Record UpdatedSep 13, 2017
Title CompanySOUTHERN TITLE, SOUTHERN TITLE AND ABSTRACT INC

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address4142 MARINER BLVD #248 SPRING HILL FL 346092468, 248, SPRING HILL, FL 34609-2468

Tax Assessment & Valuation

The 2025 property tax bill for 2408 W Central Ave was $1,953 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$192,902 (+2.7%)$204,191 (+8.71%) Land $29,666 Building $174,525
2025$1,953.00 Homeowner's exemption$187,831 Land $29,666 Building $158,165$187,831 Land $29,666 Building $158,165
2023$2,317.00 (+0.3%) Homeowner's exemption$176,593 (+0.23%) Land $28,818 Building $147,775$176,593 (+0.23%) Land $28,818 Building $147,775
2022$2,310.00 Homeowner's exemption$176,196 Land $23,733 Building $152,463$176,196 Land $23,733 Building $152,463

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

Flood

FEMA maps place 2408 W Central Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1997.

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
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies4 in force
Nearby Flood Claims2 (1997–2004)
Claims Outside the SFHA1 of 2
Most Recent ClaimAug 2004 · Tropical Storm Bonnie And Hurricane Charley

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 2408 W Central Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 453 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 1,000
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

May also be available: Verizon.

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