245 Rosa Rojo, Winter Haven, FL 33884 Property Records

Polk County property record for 245 Rosa Rojo, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,281 sqft · built 1977
Lot Size	0.085 acres (3,703 sqft)
Owner	2 Individual Names on File
Last Sale	$103,000 (Aug 2014)
Tax Bill	$726 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-25-589000-001724`

Property Details

APN / Parcel Number

Primary APN	`26-28-25-589000-001724`
Alternative APNs	`252826589000001724` `52826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,281 sqft Living Area
Gross Area	1,863 sqft
1st Floor Area	1,281 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Tile
Lot Area	3,703 sqft (0.085 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	582 sqft
Porch	Unfinished Open Porch
Porch Area	184 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	245 ROSA ROJO
City	WINTER HAVEN
State	FL
Zip	33884-3646
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	FLA HIGHLAND CO PB 3 PG 27 LOT 17 DESC AS BEG 458.89 FT N & 454.84 FT W OF SW COR OF SEC 25 RUN N 29 DEG 03 E 638.57 FT TO PT ON CURVE RUN NELY ALONG CURVE 399.20 FT S 09 DEG 21 01 E 98.01 FT TO POB RUN N 80 DEG 38 59 E 93.27 FT S 07 DEG 25 23 E 40.0
Legal Range	26E
Legal Township	28S
Legal Section	25
Legal Subdivision	FLORIDA HIGHLAND CO SUBDIVISION
Legal Tract	589000
Legal Block	1
Legal Lot Number	17
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1015
Census Tract	14001

Owner

245 Rosa Rojo is owned and occupied by two individuals who acquired it in December 2014.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	245 ROSA ROJO, WINTER HAVEN, FL 33884-3646
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2019	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV
Nov 25, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2014 · Amount on File
Deed Sale	Aug 12, 2014 · Amount on File
Deed Document Number	2014137404
Deed Book / Page	9313 / 1490
Last Transfer Date	Dec 15, 2014
Transfer Doc	0000016721
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	245 ROSA ROJO, WINTER HAVEN, FL 33884-3646
Document Number	0110660437
Instrument Date	Nov 25, 2019
Transaction Type	Mortgage
Record Updated	Dec 24, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	245 ROSA ROJO WINTER HAVEN FL 338843646, WINTER HAVEN, FL 33884-3646

Mortgage

Document Number	0110660437
Date	Dec 6, 2019
Book Page	011066/000437
Instrument	259007

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	924 Months
Due	Dec 5, 2096

Interest

Rate Type	Adjustable Rate
Rate	3.87%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	245 ROSA ROJO, WINTER HAVEN, FL 33884-3646
Document Number	0110660421
Instrument Date	Nov 25, 2019
Transaction Type	Mortgage
Record Updated	Dec 24, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	245 ROSA ROJO WINTER HAVEN FL 338843646, WINTER HAVEN, FL 33884-3646

Mortgage

Document Number	0110660421
Date	Dec 6, 2019
Book Page	011066/000421
Instrument	259006

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	924 Months
Due	Dec 5, 2096

Interest

Rate Type	Adjustable Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 245 Rosa Rojo was $726 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$97,866 (+2.7%)	$175,322 (+3.91%) Land $29,254 Building $146,068
2025	$726.00 Homeowner's exemption	$95,293	$168,721 Land $29,254 Building $139,467
2023	$673.00 (+3.86%) Homeowner's exemption	$89,910 (+3%)	$176,152 (+13.32%) Land $28,513 Building $147,639
2022	$648.00 Homeowner's exemption	$87,291	$155,443 Land $23,699 Building $131,744

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

Flood

FEMA maps place 245 Rosa Rojo in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 43 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	134 units insured incl. 91 condo units
Nearby Flood Claims	22 (1979–2022)
Claims Outside the SFHA	4 of 22
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 11 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

Wildfire risk around 245 Rosa Rojo 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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None 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 System	ORCHID SPRINGS private · serves 750 people · EPA ID FL6531313
Water Source	Groundwater
Last State Inspection	Nov 2025
Also Mapped Here	WINTER HAVEN WATER DEPARTMENT
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 194 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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