Polk County property record for 280 Cloverdale Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,887 sqft · built 2006 |
| Lot Size | 0.201 acres (8,751 sqft) |
| Owner | Company Name on Record |
| Last Sale | $127,000 (Feb 2013) |
| Tax Bill | $4,627 (2025) |
| Deeds & Mortgages | Sep 2019 Sale Sep 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-13-687551-000430 |
| Primary APN | 26-29-13-687551-000430 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,887 sqft Living Area |
| Gross Area | 2,307 sqft |
| 1st Floor Area | 1,887 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 | 8,751 sqft (0.201 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 166 sqft |
| Shed | 1 Shed |
| Street Address | 280 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 43 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 13 |
| Legal Subdivision | SAVANNA POINTE |
| Legal Tract | 687551 |
| Legal Block | 2 |
| Legal Lot Number | 43 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 14401 |
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 | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 31236, SALT LAKE CITY, UT 84131-0236 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Sep 13, 2019 | Grant Deed, Transfer OS NATIONAL LLC, OS NAT'L LLC |
| Sep 13, 2019 | Loan Modification, Mortgage · Line of Credit MORGAN STANLEY MTG CAP HOLDING |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 14, 2013 · Amount on Record |
| Deed Sale | Feb 14, 2013 · Amount on Record |
| Prior Sale | Apr 22, 2010 · Amount on Record |
| Deed Document Number | 201328899 |
| Deed Book / Page | 8876 / 1759 |
| Prior Transfer Date | Jul 9, 2008 |
| Prior Transfer Doc | 0000124845 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 13, 2019 |
| Property Address | 280 CLOVERDALE RD, WINTER HAVEN, FL 33884-4212 |
| Document Number | 0109721515 |
| Book / Page | 010972 / 001515 |
| Instrument Date | Aug 22, 2019 |
| Instrument | 194215 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2019 |
| Title Company | OS NATIONAL LLC, OS NAT'L LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $146.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 4090 SCOTTSDALE AZ 852614090, SCOTTSDALE, AZ 85261-4090 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 13, 2019 |
| Property Address | 280 CLOVERDALE RD, WINTER HAVEN, FL 33884-4212 |
| Document Number | 0109721532 |
| Book / Page | 010972 / 001532 |
| Instrument Date | Aug 22, 2019 |
| Instrument | 194216 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2019 |
| Title Company | OS NATIONAL LLC, OS NAT'L LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 810 7TH AVE #24TH NEW YORK NY 100195818, 24TH, NEW YORK, NY 10019-5818 |
| Document Number | 109721532 |
|---|---|
| Date | Sep 13, 2019 |
| Book Page | 010972/001532 |
| Instrument | 194216 |
| Name | MORGAN STANLEY MTG CAP HOLDING |
|---|---|
| Type | Mortgage Company |
| Address | 1585 BROADWAY # 24TH, NEW YORK, NY 10036-8200 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $243,687 (-1.53%) Land $35,000 Building $208,687 | $243,687 (-1.53%) Land $35,000 Building $208,687 | |
| 2025 | $4,627.00 (+3.44%) | $247,475 (+1.28%) Land $35,000 Building $212,475 | $247,475 (+1.28%) Land $35,000 Building $212,475 |
| 2024 | $4,473.00 (+7.5%) | ||
| 2023 | $4,161.00 (+8.96%) | $244,337 (+9.42%) Land $34,000 Building $210,337 | $244,337 (+9.42%) Land $34,000 Building $210,337 |
| 2022 | $3,819.00 | $223,297 Land $28,000 Building $195,297 | $223,297 Land $28,000 Building $195,297 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record 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.
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 |
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