2645 Trinity Cir NW, Winter Haven, FL 33881 Property Records

Polk County property record for 2645 Trinity Cir NW, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,358 sqft · built 1969
Lot Size	0.184 acres (8,002 sqft)
Owner	Individual Name on File
Last Sale	$173,000 (Oct 2020)
Tax Bill	$1,672 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-28-13-344100-000090`

Property Details

APN / Parcel Number

Primary APN	`25-28-13-344100-000090`
Alternative APNs	`132825344100000090` `32825000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,358 sqft Living Area
1st Floor Area	1,358 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1998
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	8,002 sqft (0.184 acres)
Lot Dimensions	100 ft deep x 80 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	342 sqft
Carport	Carport
Carport Area	342 sqft

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	24 sqft
Patio Area	168 sqft
Shed	1 Shed
Utility Building	140 sqft

Location & Zoning

Street Address	2645 TRINITY CIR NW
City	WINTER HAVEN
State	FL
Zip	33881-1155
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HAVEN GROVES ESTATES UNIT #2 PB 48 PG 6 LOT 9
Legal Range	25E
Legal Township	28S
Legal Section	13
Legal Subdivision	HAVEN GROVE ESTATES UNIT 02
Legal Tract	344100
Legal Block	1
Legal Lot Number	9
Legal Unit	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1031
Census Tract	13400

Owner

2645 Trinity Cir NW is owned and occupied by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	2645 TRINITY CIR NW, WINTER HAVEN, FL 33881-1155
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2020 · Amount on File
Deed Sale	Oct 13, 2020 · Amount on File
Prior Sale	Sep 12, 2014 · Amount on File
Deed Document Number	2020215588
Deed Book / Page	11411 / 344
Prior Transfer Date	Aug 17, 2015
Prior Transfer Doc	0000149684
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 13, 2020
Property Address	2645 TRINITY CIR NW, WINTER HAVEN, FL 33881-1155
Document Number	0114110344
Book / Page	011411 / 000344
Instrument Date	Oct 8, 2020
Instrument	215588
Transaction Type	Transfer
Record Updated	Nov 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,211.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2645 TRINITY CIR NW WINTER HAVEN FL 338811155, WINTER HAVEN, FL 33881-1155

Mortgage

Document Number	114110346
Date	Oct 13, 2020
Book Page	011411/000346
Instrument	215589

Lender

Name	AMERIFIRST FIN'L CORP
Address	KALAMAZOO, MI 49002

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 12, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2645 Trinity Cir NW was $1,672 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		$171,121 (+2.7%)	$235,382 (-0.12%) Land $13,468 Building $221,914
2025	$1,672.00 Homeowner's exemption	$166,622	$235,657 Land $13,468 Building $222,189
2023	$2,118.00 (+3.98%) Homeowner's exemption	$157,210 (+3%)	$238,717 (+7.03%) Land $13,104 Building $225,613
2022	$2,037.00 Homeowner's exemption	$152,631	$223,044 Land $10,920 Building $212,124

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

Flood

FEMA maps place 2645 Trinity Cir NW 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	3 (2004)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2004 · Hurricane Frances
Claims by Event	Hurricane Frances, Sep 2004 · 3 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 2645 Trinity Cir NW is low, with less than 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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 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	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 238 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Frontier.

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