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287 Cloverdale Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 287 Cloverdale Rd, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,867 sqft · built 2006
Lot Size0.185 acres (8,050 sqft)
Owner2 Individual Names on File
Last Sale$240,000 (Jun 2021)
Tax Bill$4,588 (2025)
Deeds & MortgagesJun 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-29-13-687551-001480

Property Details

APN / Parcel Number

Primary APN26-29-13-687551-001480
Alternative APNs
  • 132926687551001480
  • 32926000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,867 sqft Living Area
Gross Area2,308 sqft
1st Floor Area1,867 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area8,050 sqft (0.185 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area441 sqft
PorchScreened/Unfinished Porch
Porch Area164 sqft

Location & Zoning

Street Address287 CLOVERDALE RD
CityWINTER HAVEN
StateFL
Zip33884-4213
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSAVANNA POINTE PLAT BOOK 129 PGS 49 THRU 52 LOT 148
Legal Range26E
Legal Township29S
Legal Section13
Legal SubdivisionSAVANNA POINTE
Legal Tract687551
Legal Block2
Legal Lot Number148
JurisdictionPOLK FL
Township / Civil DivisionLAKE WALES
Census Block Group2
Census Block2017
Census Tract14401

Owner

287 Cloverdale Rd is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record2 Individual Names on File
Mailing Address287 CLOVERDALE RD, WINTER HAVEN, FL 33884-4213
OccupancyOwner Occupied
Owner TypeIndividual

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 Names2 Names on Deed
Last SaleJun 18, 2021 · Amount on File
Deed SaleJun 18, 2021 · Amount on File
Prior SaleSep 12, 2006 · Amount on File
Deed Document Number2021159350
Deed Book / Page11767 / 1446
Record UpdatedOct 29, 2026

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJun 18, 2021
Property Address287 CLOVERDALE RD, WINTER HAVEN, FL 33884-4213
Document Number0000159350
Book / Page11767 / 1446
Map ReferenceMB 129 PG 49-52
Instrument DateJun 14, 2021
Instrument2021159350
Transaction TypeTransfer
Record UpdatedJul 2, 2021
Title CompanyUNITED TITLE GROUP/LAKELAND LLC, UNITED TTL GROUP OF LAKELAND

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,680.00
Amount AccuracyRounded by County
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address122 CLOVERDALE RD, 122, WINTER HAVEN, FL 33884-4201

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address287 CLOVERDALE RD, WINTER HAVEN, FL 33884-4213

Mortgage

Document Number0117671448
DateJun 18, 2021
Instrument11767/1448
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 287 Cloverdale Rd was $4,588.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$241,433 (-1.61%) Land $35,000 Building $206,433$241,433 (-1.61%) Land $35,000 Building $206,433
2025$4,588.00$245,382 Land $35,000 Building $210,382$245,382 Land $35,000 Building $210,382
2023$4,573.00 (+8.93%)$242,167 (+9.74%) Land $34,000 Building $208,167$242,167 (+9.74%) Land $34,000 Building $208,167
2022$4,198.00$220,673 Land $28,000 Building $192,673$220,673 Land $28,000 Building $192,673

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

Flood

FEMA maps place 287 Cloverdale Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 29 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies29 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

Wildfire risk around 287 Cloverdale Rd is moderate, ranking above 45% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.07% annual chance
ExposureDirect
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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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 225 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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