Polk County property record for 2420 Winterset Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,751 sqft · built 1988 |
| Lot Size | 0.261 acres (11,378 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $175,000 (Apr 2018) |
| Tax Bill | $2,291 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Apr 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-02-663683-000060 |
| Primary APN | 26-29-02-663683-000060 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,751 sqft Living Area |
| Gross Area | 2,674 sqft |
| 1st Floor Area | 1,751 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 11,378 sqft (0.261 acres) |
| Lot Dimensions | 136 ft deep x 84 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 675 sqft |
| Porch | Florida Room |
| Porch Area | 348 sqft |
| Shed | 1 Shed |
| Street Address | 2420 WINTERSET RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3162 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WINTERSET NORTH PHASE FOUR PB 82 PG 34 LOT 6 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 02 |
| Legal Subdivision | WINTERSET NORTH PHASE 4 |
| Legal Phase | 4 |
| Legal Tract | 663683 |
| Legal Block | 2 |
| Legal Lot Number | 6 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 14006 |
2420 Winterset Rd is owned and occupied by two individuals who bought it in April 2018.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2420 WINTERSET RD, WINTER HAVEN, FL 33884-3162 |
| 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.
| Date | Document |
|---|---|
| Jan 6, 2022 | Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE |
| Apr 17, 2018 | Warranty Deed, Transfer · FHA Mortgage VALLEY NAT'L BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 17, 2018 · Amount on File |
| Deed Sale | Apr 17, 2018 · Amount on File |
| Deed Document Number | 201881337 |
| Deed Book / Page | 10456 / 602 |
| Prior Transfer Date | Aug 29, 2016 |
| Prior Transfer Doc | 0099180567 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2420 WINTERSET RD, WINTER HAVEN, FL 33884-3162 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 2420 WINTERSET RD, WINTER HAVEN, FL 33884-3162 |
| Document Number | 0000003770 |
|---|---|
| Date | Jan 6, 2022 |
| Book Page | 12060/126 |
| Instrument | 2022003770 |
| Name | MIDLAND MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 17, 2018 |
| Property Address | 2420 WINTERSET RD, WINTER HAVEN, FL 33884-3162 |
| Document Number | 0104560602 |
| Book / Page | 010456 / 000602 |
| Instrument Date | Apr 9, 2018 |
| Instrument | 81337 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $225.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 414 LAUREL COVE WAY WINTER HAVEN FL 338843127, WINTER HAVEN, FL 33884-3127 |
| Document Number | 104560604 |
|---|---|
| Date | Apr 17, 2018 |
| Book Page | 010456/000604 |
| Instrument | 81338 |
| Name | VALLEY NAT'L BK |
|---|---|
| Type | Bank |
| Address | WAYNE, NJ 07470 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 16, 2048 |
The 2025 property tax bill for 2420 Winterset Rd was $2,291 with a homeowner's exemption, down 19.4% from the year before.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $219,103 (+2.7%) | $288,880 (-4.07%) Land $90,000 Building $198,880 | |
| 2025 | $2,291.00 (-19.36%) Homeowner's exemption | $213,343 | $301,135 Land $90,000 Building $211,135 |
| 2024 | $2,841.00 (+7.21%) | ||
| 2023 | $2,650.00 (+2.99%) Homeowner's exemption | $201,291 (+3%) | $299,405 (+6.63%) Land $88,000 Building $211,405 |
| 2022 | $2,573.00 Homeowner's exemption | $195,428 | $280,780 Land $74,000 Building $206,780 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2420 Winterset Rd in Zone X, an area of minimal flood risk.
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 12 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 12 in force |
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 risk around 2420 Winterset Rd is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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