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2870 Sheffield Rd, Winter Haven, FL 33880 Property Records

Polk County property record for 2870 Sheffield Rd, Winter Haven, FL 33880

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,773 sqft · built 1998
Lot Size1.54 acres (67,252 sqft)
Owner2 Individual Names on Record
Tax Bill$5,408 (2025)
Deeds & MortgagesJun 2020 Mortgage
Jan 2019 Loan Modification
Flood ZoneZone X (minimal risk)
APN25-29-15-360001-000110

Property Details

APN / Parcel Number

Primary APN25-29-15-360001-000110
Alternative APNs
  • 152925360001000110
  • 52925000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,773 sqft Living Area
Gross Area3,349 sqft
1st Floor Area1,637 sqft
Upper Floors Area1,136 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 1998
Exterior MaterialStucco
Construction TypeConcrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area67,252 sqft
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area576 sqft

Exterior Amenities

Pool TypeEnclosed Pool
Pool Area392 sqft
PorchUnfinished Open Porch
Porch Area432 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address2870 SHEFFIELD RD
CityWINTER HAVEN
StateFL
Zip33880-4824
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionROYAL MEADOWS PB 99 PG 34 LOT 11
Legal Range25E
Legal Township29S
Legal Section15
Legal SubdivisionROYAL MEADOWS
Legal Tract360001
Legal Block1
Legal Lot Number11
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group1
Census Block1035
Census Tract14704

Owner

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 Record2 Individual Names on Record
Mailing Address2870 SHEFFIELD RD, WINTER HAVEN, FL 33880-4824
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 22, 2020Deed of Trust, Mortgage · Conventional Mortgage
MIDFLORIDA CU ISAOA
Jan 28, 2019Loan Modification, Mortgage · FHA Mortgage
MR COOPER

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 10, 2009
Deed SaleDec 10, 2009
Prior SaleAug 4, 1995 · Amount on Record
Deed Document Number2009217177
Deed Book / Page8033 / 1350
Prior Transfer DateNov 19, 2009
Prior Transfer Doc0000217177
Record UpdatedOct 29, 2026

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address2870 SHEFFIELD RD, WINTER HAVEN, FL 33880-4824
Document Number0112810638
Instrument DateJun 22, 2020
Transaction TypeMortgage
Record UpdatedJul 22, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2870 SHEFFIELD RD WINTER HAVEN FL 338804824, WINTER HAVEN, FL 33880-4824

Mortgage

Document Number0112810638
DateJun 29, 2020
Book Page011281/000638
Instrument129506
Lender
NameMIDFLORIDA CU ISAOA
TypeCredit Union
AddressLAKELAND, FL 33802-8008
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJun 28, 2035

January 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPOLK FL
Property Address2870 SHEFFIELD RD, WINTER HAVEN, FL 33880-4824
Document Number0107780903
Instrument DateJan 28, 2019
Transaction TypeMortgage
Record UpdatedMar 29, 2019
Title CompanyCORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

NameVerified Name
Address2870 SHEFFIELD RD WINTER HAVEN FL 338804824, WINTER HAVEN, FL 33880-4824

Mortgage

Document Number0107780903
DateMar 15, 2019
Book Page010778/000903
Instrument51772
Lender
NameMR COOPER
AddressDALLAS, TX 75019
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMar 14, 2049
Interest
Rate4.87%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$486,419 (+29.48%) Land $39,000 Building $447,419$486,419 (+1.37%) Land $39,000 Building $447,419
2025$5,408.00 (-0.97%)$375,684 (-21.2%)$479,829 (+0.64%) Land $39,000 Building $440,829
2023$5,461.00 (+13.18%)$476,764 (+20.97%) Land $38,000 Building $438,764$476,764 (+20.97%) Land $38,000 Building $438,764
2022$4,825.00$394,124 Land $32,000 Building $362,124$394,124 Land $32,000 Building $362,124

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

Flood

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
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 12 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies12 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

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

Wildfire RiskHigh
above 75% of the US · above 62% of Florida
Wildfire Likelihood0.4% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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