253 Arbuthnot St, Winter Haven, FL 33881 Property Records

Polk County property record for 253 Arbuthnot St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,758 sqft · built 2021
Lot Size	0.157 acres (6,821 sqft)
Owner	2 Individual Names on Record
Last Sale	$229,700 (Mar 2021)
Tax Bill	$4,502 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-08-529016-000490`

Property Details

APN / Parcel Number

Primary APN	`26-28-08-529016-000490`
Alternative APN	`082826529016000490`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,758 sqft Living Area
Gross Area	2,158 sqft
1st Floor Area	1,758 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	6,821 sqft (0.157 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Pool Type	Enclosed Pool
Porch	Screened/Unfinished Porch
Porch Area	82 sqft

Location & Zoning

Street Address	253 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 49
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	49
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1004
Census Tract	13601

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	253 ARBUTHNOT ST, WINTER HAVEN, FL 33881-9516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CREDIT UNION
Mar 17, 2021	Warranty Deed, Subdivision Related Transfer · FHA Mortgage PLAINS COMMERCE BANK
Feb 12, 2021	Warranty Deed, Transfer INSURED R/E TITLE SERVICES, INSURED RE TITLE SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2021 · Amount on Record
Deed Sale	Mar 17, 2021 · Amount on Record
Deed Document Number	202167971
Deed Book / Page	11625 / 1645
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Jun 22, 2026
Property Address	253 ARBUTHNOT ST, WINTER HAVEN, FL 33881-9516
Document Number	0000148917
Book / Page	14047 / 720
Instrument Date	Jun 11, 2026
Instrument	2026148917
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	253 ARBUTHNOT ST, WINTER HAVEN, FL 33881-9516

Mortgage

Document Number	0000148917,
Date	Jun 22, 2026
Book Page	14047/720
Instrument	2026148917

Lender

Name	MIDFLORIDA CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 15, 2041

Interest

Rate	5.71%
Max Rate	-1%

March 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 17, 2021
Property Address	253 ARBUTHNOT ST, WINTER HAVEN, FL 33881-9516
Document Number	0000067971
Book / Page	11625 / 1645
Map Reference	MB 181 PG 1-5
Instrument Date	Mar 12, 2021
Instrument	2021067971
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 6, 2023
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,607.90
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	253 ARBUTHNOT ST, WINTER HAVEN, FL 33881-9516

Mortgage

Document Number	0116251646
Date	Mar 17, 2021
Instrument	11625/1646

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 12, 2021
Property Address	253 ARBUTHNOT ST, WINTER HAVEN, FL 33881-9516
Document Number	0000036980
Book / Page	11578 / 1994
Map Reference	MB 181 PG 1-5
Instrument Date	Feb 10, 2021
Instrument	2021036980
Transaction Type	Transfer
Record Updated	Mar 6, 2023
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TITLE SVCS INC

Transaction

Amount	Amount Recorded
Tax	$658.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

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

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		$287,804 (+2.7%)	$296,584 (+5.83%) Land $46,000 Building $250,584
2025	$4,502.00 (+5.48%) Homeowner's exemption	$280,238 (+5.9%) Land $46,000 Building $234,238	$280,238 (-4.7%) Land $46,000 Building $234,238
2023	$4,268.00 (+2.62%) Homeowner's exemption	$264,631 (+3%)	$294,045 (+14.45%) Land $44,000 Building $250,045
2022	$4,159.00 Homeowner's exemption	$256,923 Land $44,000 Building $212,923	$256,923 Land $44,000 Building $212,923

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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