242 Broad St, Winter Haven, FL 33881 Property Records

Polk County property record for 242 Broad St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,362 sqft · built 2014
Lot Size	0.237 acres (10,332 sqft)
Owner	2 Company Names on Record
Last Sale	$298,000 (Mar 2020)
Tax Bill	$3,639 (2025)
Deeds & Mortgages	Jan 2022 Transfer Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-14-533502-000130`

Property Details

APN / Parcel Number

Primary APN	`26-28-14-533502-000130`
Alternative APNs	`142826533502000130` `42826000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,362 sqft Living Area
Gross Area	2,797 sqft
1st Floor Area	2,362 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	10,332 sqft (0.237 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	435 sqft
Porch	Unfinished Open Porch
Porch Area	268 sqft

Location & Zoning

Street Address	242 BROAD ST
City	WINTER HAVEN
State	FL
Zip	33881-9009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMPTON COVE PB 147 PG 16-18 LOT 13
Legal Range	26E
Legal Township	28S
Legal Section	14
Legal Subdivision	HAMPTON COVE
Legal Tract	533502
Legal Block	2
Legal Lot Number	13
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 Company Names on Record
Mailing Address	242 BROAD ST, WINTER HAVEN, FL 33881-9009
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage PLAINS CMRC BK
Mar 26, 2020	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA
Nov 14, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2020 · Amount on Record
Deed Sale	Mar 26, 2020 · Amount on Record
Prior Sale	Apr 10, 2015 · Amount on Record
Deed Document Number	202067449
Deed Book / Page	11188 / 133
Last Transfer Date	Jan 21, 2022
Transfer Doc	0000019654
Record Updated	Oct 29, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Jan 24, 2022
Property Address	242 BROAD ST, WINTER HAVEN, FL 33881-9009
Document Number	0000019654
Book / Page	12085 / 113
Map Reference	MB 147 PG 16-18
Instrument Date	Jan 21, 2022
Instrument	2022019654
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	242 BROAD ST, WINTER HAVEN, FL 33881-9009

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	242 BROAD ST, WINTER HAVEN, FL 33881-9009
Document Number	0114430178
Instrument Date	Oct 28, 2020
Transaction Type	Mortgage
Record Updated	Nov 23, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	242 BROAD ST WINTER HAVEN FL 338819009, WINTER HAVEN, FL 33881-9009

Mortgage

Document Number	0114430178
Date	Nov 4, 2020
Book Page	011443/000178
Instrument	235791

Lender

Name	PLAINS CMRC BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 3, 2050

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 26, 2020
Property Address	242 BROAD ST, WINTER HAVEN, FL 33881-9009
Document Number	0111880133
Book / Page	011188 / 000133
Instrument Date	Mar 24, 2020
Instrument	67449
Transaction Type	Transfer
Record Updated	May 6, 2020
Title Company	OAK HARBOR TITLE SERVICES LLC, OAK HARBOR TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,086.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3205 HERON CV WINTER HAVEN FL 338842873, WINTER HAVEN, FL 33884-2873

Mortgage

Document Number	111880135
Date	Mar 26, 2020
Book Page	011188/000135
Instrument	67450

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 25, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.87%

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 14, 2019
Property Address	242 BROAD ST, WINTER HAVEN, FL 33881-9009
Document Number	0110400647
Book / Page	011040 / 000647
Instrument Date	Oct 11, 2019
Instrument	241380
Transaction Type	Transfer
Record Updated	Dec 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	242 BROAD ST WINTER HAVEN FL 338819009, WINTER HAVEN, FL 33881-9009

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		$241,221 (+2.7%)	$315,132 (-2.73%) Land $70,000 Building $245,132
2025	$3,639.00 (+3.09%) Homeowner's exemption	$234,879 (+5.99%)	$323,989 (-8.66%) Land $70,000 Building $253,989
2024	$3,530.00 (+2.65%)
2023	$3,439.00 (+2.72%) Homeowner's exemption	$221,611 (+3%)	$354,688 (+18.64%) Land $68,000 Building $286,688
2022	$3,348.00 Homeowner's exemption	$215,156	$298,953 Land $56,000 Building $242,953

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 64% of the US · above 40% 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.

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