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243 Manatee Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 243 Manatee Rd, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,976 sqft · built 1975
Lot Size0.422 acres (18,369 sqft)
Owner2 Individual Names on Record
Last Sale$219,900 (Feb 2018)
Tax Bill$2,383 (2025)
Deeds & MortgagesJan 2023 Mortgage
Feb 2018 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN26-28-34-662000-001151

Property Details

APN / Parcel Number

Primary APN26-28-34-662000-001151
Alternative APNs
  • 342826662000001151
  • 42826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,976 sqft Living Area
1st Floor Area1,976 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1975
Effective Year BuiltEffective 1975
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area18,369 sqft (0.422 acres)
Lot Dimensions149 ft deep x 117 ft wide
View / LotCommercial/Industrial
Garage TypeDetached
Garage Area576 sqft
Pool Area450 sqft
PorchUnfinished Open Porch
Porch Area160 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address243 MANATEE RD
CityWINTER HAVEN
StateFL
Zip33884-1446
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal Description*DEED APPEARS IN ERROR* ELOISE WOODS LAKE MARIAM UNIT PB 17 PG 49 49A 49B LOTS 115 LESS S 50 FT & 116 LESS S 50 FT BEING LOT 351 OF UNREC VALENCIA WOOD
Legal Range26E
Legal Township28S
Legal Section34
Legal SubdivisionELOISE WOODS LAKE MARIAM UNIT
Legal Tract662000
Legal Block1
Legal Lot Number115
Legal UnitPB
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group1
Census Block1036
Census Tract13902

Owner

Source: Polk County records, as of June 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address243 MANATEE RD, WINTER HAVEN, FL 33884-1446
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 10, 2023Deed of Trust, Mortgage · FHA Mortgage
JACKSON FLAGSTAR CENTRE OFFICE
Feb 2, 2018Warranty Deed, Transfer
AMERICAN LIBERTY MTG INC
Jul 6, 2017Warranty Deed, Transfer
NOTRE DAME HOLDINGS INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 2, 2018 · Amount on Record
Deed SaleFeb 2, 2018 · Amount on Record
Prior SaleJul 6, 2017 · Amount on Record
Deed Document Number201824959
Deed Book / Page10385 / 1717
Record UpdatedSep 20, 2026

January 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address243 MANATEE RD, WINTER HAVEN, FL 33884-1446
Transaction TypeMortgage
Record UpdatedFeb 5, 2024
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address243 MANATEE RD, WINTER HAVEN, FL 33884-1446

Mortgage

Document Number0000006532
DateJan 10, 2023
Book Page12546/775
Instrument2023006532
Lender
NameJACKSON FLAGSTAR CENTRE OFFICE
TypeBank
AddressDALLAS, TX 75234
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term301 Months
DueFeb 1, 2048

February 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateFeb 2, 2018
Property Address243 MANATEE RD, WINTER HAVEN, FL 33884-1446
Document Number0103851717
Book / Page010385 / 001717
Instrument DateJan 30, 2018
Instrument24959
Transaction TypeTransfer
Record UpdatedFeb 22, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,539.30
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address243 MANATEE RD WINTER HAVEN FL 338841446, WINTER HAVEN, FL 33884-1446

Mortgage

Document Number103851719
DateFeb 2, 2018
Book Page010385/001719
Instrument24960
Lender
NameAMERICAN LIBERTY MTG INC
TypeMortgage Company
AddressDENVER, CO 80211
Agreement
AmountAmount Recorded
Term360 Months
DueFeb 1, 2048

July 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJul 6, 2017
Property Address243 MANATEE RD, WINTER HAVEN, FL 33884-1446
Document Number0101961738
Book / Page010196 / 001738
Instrument DateJun 30, 2017
Instrument128511
Transaction TypeTransfer
Record UpdatedOct 2, 2017
Title CompanyFIRST CLASS TITLE AGENCY, FIRST CLASS TITLE COMPANY LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$889.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address934 SENECA TRL ST CLOUD FL 347727760, ST CLOUD, FL 34772-7760

Mortgage

Document Number101961740
DateJul 6, 2017
Book Page010196/001740
Instrument128513
Lender
NameNOTRE DAME HOLDINGS INC
Address14569 BRADDOCK OAK DR, ORLANDO, FL 32837-4946
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,383.00 (-13.44%) Homeowner's exemption$220,312 (+5.99%)$286,110 (-5.56%) Land $69,077 Building $217,033
2023$2,753.00 (+2.92%) Homeowner's exemption$207,867 (+3%)$302,940 (+5.07%) Land $67,259 Building $235,681
2022$2,675.00 Homeowner's exemption$201,813$288,328 Land $56,352 Building $231,976

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 18 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies18 in force
Nearby Flood Claims3 (2004–2022)
Claims Outside the SFHA3 of 3
Most Recent ClaimSep 2022 · Hurricane Ian

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 RiskLow
lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood0.01% 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 197 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
Verizon
Fixed Wireless		300 / 20

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