246 Broad St, Winter Haven, FL 33881 Property Records

Polk County property record for 246 Broad St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,423 sqft · built 2014
Lot Size	0.272 acres (11,861 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Jul 2019)
Tax Bill	$2,231 (2025)
Deeds & Mortgages	Jul 2019 Sale Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-14-533502-000120`

Property Details

APN / Parcel Number

Primary APN	`26-28-14-533502-000120`
Alternative APNs	`142826533502000120` `42826000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,423 sqft Living Area
Gross Area	3,022 sqft
1st Floor Area	2,423 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	11,861 sqft (0.272 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	599 sqft
Porch	Finished/Open Porch
Porch Area	316 sqft

Location & Zoning

Street Address	246 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 12
Legal Range	26E
Legal Township	28S
Legal Section	14
Legal Subdivision	HAMPTON COVE
Legal Tract	533502
Legal Block	2
Legal Lot Number	12
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 Individual Names on Record
Mailing Address	246 BROAD ST, WINTER HAVEN, FL 33881-9009
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2019	Warranty Deed, Transfer CAPSTONE TITLE LLC
Jul 17, 2018	Warranty Deed, Transfer · Conventional with PMI ANGEL OAK MTG SOLUTIONS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2019 · Amount on Record
Deed Sale	Jul 31, 2019 · Amount on Record
Prior Sale	Jul 17, 2018 · Amount on Record
Deed Document Number	2019160304
Deed Book / Page	10925 / 272
Prior Transfer Date	Apr 18, 2016
Prior Transfer Doc	0000074694
Record Updated	Oct 29, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 31, 2019
Property Address	246 BROAD ST, WINTER HAVEN, FL 33881-9009
Document Number	0109250272
Book / Page	010925 / 000272
Instrument Date	Jul 30, 2019
Instrument	160304
Transaction Type	Transfer
Record Updated	Aug 15, 2019
Title Company	CAPSTONE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$1,855.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	246 BROAD ST WINTER HAVEN FL 338819009, WINTER HAVEN, FL 33881-9009

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 17, 2018
Property Address	246 BROAD ST, WINTER HAVEN, FL 33881-9009
Document Number	0105501828
Book / Page	010550 / 001828
Instrument Date	Jul 16, 2018
Instrument	151416
Transaction Type	Transfer
Record Updated	Jul 31, 2018
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,730.40
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	246 BROAD ST WINTER HAVEN FL 338819009, WINTER HAVEN, FL 33881-9009

Mortgage

Document Number	105501829
Date	Jul 17, 2018
Book Page	010550/001829
Instrument	151417

Lender

Name	ANGEL OAK MTG SOLUTIONS
Address	ATLANTA, GA 30305

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 2048

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		$165,221 (+2.7%)	$335,483 (-1.65%) Land $70,000 Building $265,483
2025	$2,231.00 (+106.57%) Homeowner's exemption	$160,877 (+5.99%)	$341,123 (-8.7%) Land $70,000 Building $271,123
2023	$1,080.00 (+6.09%) Homeowner's exemption	$151,789 (+3%)	$373,646 (+19.76%) Land $68,000 Building $305,646
2022	$1,018.00 Homeowner's exemption	$147,368	$312,002 Land $56,000 Building $256,002

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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