2705 Gladiola Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 2705 Gladiola Rd, Winter Haven, FL 33884

Property Summary

Property Type	Townhouse
Details	3 bd · 2 ba · 1,750 sqft · built 2025
Lot Size	0.076 acres (3,315 sqft)
Owner	2 Individual Names on File
Last Sale	$259,990 (Mar 2026)
Tax Bill	$155 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-04-664017-000470`

Property Details

APN / Parcel Number

Primary APN	`26-29-04-664017-000470`
Alternative APN	`042926664017000470`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,750 sqft Living Area
Gross Area	1,960 sqft
1st Floor Area	710 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Architectural Style	Townhouse
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	3,315 sqft (0.076 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	210 sqft
Porch	Unfinished Open Porch

Location & Zoning

Street Address	2705 GLADIOLA RD
City	WINTER HAVEN
State	FL
Zip	33884-3383
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	HARMONY ON LAKE ELOISE PHASE 4 PB 211 PGS 42-49 LOT 47
Legal Subdivision	HARMONY ON LAKE ELOISE PHASE 4
Legal Lot Number	47
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1015
Census Tract	14600

Owner

2705 Gladiola Rd, a townhouse, is owned and occupied by two individuals who bought it in March 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	2705 GLADIOLA RD, WINTER HAVEN, FL 33884-3383
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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	2 Names on Deed
Last Sale	Mar 19, 2026 · Amount on File
Deed Sale	Mar 19, 2026 · Amount on File
Deed Document Number	202666608
Deed Book / Page	13924 / 1723
Record Updated	Oct 29, 2026

March 2026: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 19, 2026
Property Address	2705 GLADIOLA RD, WINTER HAVEN, FL 33884-3383
Document Number	0000066608
Book / Page	13924 / 1723
Map Reference	MB 211 PG 42-49
Instrument Date	Mar 17, 2026
Instrument	2026066608
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 1, 2026
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7835 OSCEOLA POLK LINE RD, DAVENPORT, FL 33896-9100

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2705 GLADIOLA RD, WINTER HAVEN, FL 33884-3383

Mortgage

Document Number	0139241724
Date	Mar 19, 2026
Instrument	13924/1724

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 2705 Gladiola Rd was $155.

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		$209,000 (+2,461.27%) Land $100 Building $208,900	$209,000 (+2,461.27%) Land $100 Building $208,900
2025	$155.00	$8,160 Land $8,160	$8,160 Land $8,160

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2705 Gladiola Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2004.

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 15 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	3 (2004–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Frances, Sep 2004 · 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

Wildfire risk around 2705 Gladiola Rd is moderate, ranking above 68% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 68% of the US · above 48% of Florida
Wildfire Likelihood	0.3% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35