Polk County property record for 254 Cloverdale Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,463 sqft · built 2006 |
| Lot Size | 0.185 acres (8,050 sqft) |
| Owner | Individual Name on File |
| Last Sale | $257,000 (Jul 2026) |
| Tax Bill | $3,956 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Nov 2022 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-13-687551-000370 |
| Primary APN | 26-29-13-687551-000370 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,463 sqft Living Area |
| Gross Area | 1,883 sqft |
| 1st Floor Area | 1,463 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 8,050 sqft (0.185 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 174 sqft |
| Street Address | 254 CLOVERDALE RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-4212 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SAVANNA POINTE PLAT BOOK 129 PGS 49 THRU 52 LOT 37 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 13 |
| Legal Subdivision | SAVANNA POINTE |
| Legal Block | 2 |
| Legal Lot Number | 37 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 14401 |
254 Cloverdale Rd is owned and occupied by an individual who bought it in July 2026.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 254 CLOVERDALE RD, WINTER HAVEN, FL 33884-4212 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 28, 2026 | Warranty Deed, Transfer · FHA Mortgage LOWER LLC |
| Nov 23, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Mar 10, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Apr 27, 2021 | Quit Claim Deed, Transfer · Conventional Mortgage INTERCAP LENDING |
| Nov 15, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 28, 2026 · Amount on File |
| Deed Sale | Jul 28, 2026 · Amount on File |
| Prior Sale | May 2, 2017 · Amount on File |
| Deed Document Number | 2026179329 |
| Deed Book / Page | 14091 / 497 |
| Prior Transfer Date | Sep 3, 2022 |
| Prior Transfer Doc | 0000305988 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 28, 2026 |
| Property Address | 254 CLOVERDALE RD, WINTER HAVEN, FL 33884-4212 |
| Document Number | 0000179329 |
| Book / Page | 14091 / 497 |
| Instrument Date | Jul 17, 2026 |
| Instrument | 2026179329 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | HAVEN TITLE LLC, HAVEN TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $181,699.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 254 CLOVERDALE RD, WINTER HAVEN, FL 33884-4212 |
| Document Number | 0000179331, |
|---|---|
| Date | Jul 28, 2026 |
| Instrument | 2026179331 |
| Name | LOWER LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Max Rate | -1% |
|---|
| Document Number | 0000179332, |
|---|---|
| Date | Jul 28, 2026 |
| Book Page | 14091/514 |
| Instrument | 2026179332 |
| Name | HOUSING FINANCE CORPORATION FLORIDA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 23, 2022 |
| Property Address | 254 CLOVERDALE RD, WINTER HAVEN, FL 33884-4212 |
| Document Number | 0000305988 |
| Book / Page | 12494 / 1831 |
| Instrument Date | Sep 3, 2022 |
| Instrument | 2022305988 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 254 CLOVERDALE RD, WINTER HAVEN, FL 33884-4212 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 10, 2023 |
| Property Address | 254 CLOVERDALE RD, WINTER HAVEN, FL 33884-4212 |
| Document Number | 0000057149 |
| Book / Page | 12611 / 1645 |
| Map Reference | MB 129 PG 49-52 |
| Instrument Date | Sep 3, 2022 |
| Instrument | 2023057149 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9790 KT COSSON LN, COLORADO SPRINGS, CO 80920 |
| Name | Verified Name |
|---|---|
| Address | 254 CLOVERDALE RD, WINTER HAVEN, FL 33884-4212 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 27, 2021 |
| Property Address | 254 CLOVERDALE RD, WINTER HAVEN, FL 33884-4212 |
| Document Number | 0000106693 |
| Book / Page | 11686 / 897 |
| Map Reference | MB 129 PG 49-52 |
| Instrument Date | Apr 14, 2021 |
| Instrument | 2021106693 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2023 |
| Title Company | HAVEN TITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9790 KIT CARSON LN, COLORADO SPRINGS, CO 80920-1511 |
| Name | Verified Name |
|---|---|
| Address | 9790 KIT CARSON LN, COLORADO SPRINGS, CO 80920-1511 |
| Document Number | 0011686899 |
|---|---|
| Date | Apr 27, 2021 |
| Instrument | 11686/899 |
| Name | INTERCAP LENDING |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 15, 2017 |
| Property Address | 254 CLOVERDALE RD, WINTER HAVEN, FL 33884-4212 |
| Document Number | 0103151825 |
| Book / Page | 010315 / 001825 |
| Instrument Date | Nov 4, 2017 |
| Instrument | 219734 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 9790 KIT CARSON LN COLORADO SPRINGS CO 809201511, COLORADO SPRINGS, CO 80920-1511 |
The 2025 property tax bill for 254 Cloverdale Rd was $3,956, down 3.8% from the year before.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $208,340 (-1.53%) Land $35,000 Building $173,340 | $208,340 (-1.53%) Land $35,000 Building $173,340 | |
| 2025 | $3,956.00 (-3.84%) | $211,583 Land $35,000 Building $176,583 | $211,583 Land $35,000 Building $176,583 |
| 2024 | $4,114.00 (+4.44%) | ||
| 2023 | $3,939.00 (+9.69%) | $208,598 (+10.5%) Land $34,000 Building $174,598 | $208,598 (+10.5%) Land $34,000 Building $174,598 |
| 2022 | $3,591.00 | $188,771 Land $28,000 Building $160,771 | $188,771 Land $28,000 Building $160,771 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 254 Cloverdale Rd in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 29 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 29 in force |
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 risk around 254 Cloverdale Rd is moderate, ranking above 54% 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 54% of the US · lower than 74% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 225 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures