249 Arbuthnot St, Winter Haven, FL 33881 Property Records

Polk County property record for 249 Arbuthnot St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,485 sqft · built 2021
Lot Size	0.192 acres (8,346 sqft)
Owner	2 Individual Names on File
Last Sale	$235,200 (Sep 2021)
Tax Bill	$3,496 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Apr 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`26-28-08-529016-000500`

Property Details

APN / Parcel Number

Primary APN	`26-28-08-529016-000500`
Alternative APN	`082826529016000500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,485 sqft Living Area
Gross Area	1,885 sqft
1st Floor Area	1,485 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	8,346 sqft (0.192 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Porch	Unfinished Open Porch
Porch Area	25 sqft
Shed	1 Shed

Location & Zoning

Street Address	249 ARBUTHNOT ST
City	WINTER HAVEN
State	FL
Zip	33881-9516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SANCTUARY BY THE LAKE PHASE ONE PB 181 PG 1-5 LOT 50
Legal Range	26E
Legal Township	28S
Legal Section	08
Legal Subdivision	SANCTUARY BY THE LAKE PHASE ONE
Legal Phase	1
Legal Block	1
Legal Lot Number	50
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1004
Census Tract	13601

Owner

249 Arbuthnot St is owned and occupied by two individuals who bought it in September 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	249 ARBUTHNOT ST, WINTER HAVEN, FL 33881-9516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2021	Warranty Deed, Subdivision Related Transfer · FHA Mortgage FBC MORTGAGE LLC
Apr 8, 2021	Warranty Deed, Transfer INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2021 · Amount on File
Deed Sale	Sep 9, 2021 · Amount on File
Prior Sale	Apr 8, 2021 · Amount on File
Deed Document Number	2021234735
Deed Book / Page	11883 / 1759
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 9, 2021
Property Address	249 ARBUTHNOT ST, WINTER HAVEN, FL 33881-9516
Document Number	0000234735
Book / Page	11883 / 1759
Map Reference	MB 181 PG 1-5
Instrument Date	Sep 7, 2021
Instrument	2021234735
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 23, 2023
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TITLE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,647.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	249 ARBUTHNOT ST, WINTER HAVEN, FL 33881-9516

Mortgage

Document Number	0118831760
Date	Sep 9, 2021
Instrument	11883/1760

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 8, 2021
Property Address	249 ARBUTHNOT ST, WINTER HAVEN, FL 33881-9516
Document Number	0000088265
Book / Page	11657 / 1399
Map Reference	MB 181 PG 1-5
Instrument Date	Apr 7, 2021
Instrument	2021088265
Transaction Type	Transfer
Record Updated	Feb 23, 2023
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Transaction

Amount	Amount on Record
Tax	$329.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Tax Assessment & Valuation

The 2025 property tax bill for 249 Arbuthnot St was $3,496 with a homeowner's exemption.

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		$221,427 (-2.61%) Land $46,000 Building $175,427	$221,427 (-2.61%) Land $46,000 Building $175,427
2025	$3,496.00 Homeowner's exemption	$227,365 Land $46,000 Building $181,365	$227,365 Land $46,000 Building $181,365
2023	$3,302.00 (+2.77%) Homeowner's exemption	$214,474 (+3%)	$239,545 (+15.04%) Land $44,000 Building $195,545
2022	$3,213.00 Homeowner's exemption	$208,227 Land $44,000 Building $164,227	$208,227 Land $44,000 Building $164,227

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

Flood

FEMA maps place 249 Arbuthnot St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

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 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 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

Wildfire risk around 249 Arbuthnot St is moderate, ranking above 62% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 62% of the US · lower than 62% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 253 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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