304 15th St NE, Winter Haven, FL 33881 Property Records

Polk County property record for 304 15th St NE, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,269 sqft · built 1968
Lot Size	0.217 acres (9,453 sqft)
Owner	Individual Name on Record
Last Sale	$57,600 (Apr 1999)
Tax Bill	$2,505 (2025)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-22-586500-000892`

Property Details

APN / Parcel Number

Primary APN	`26-28-22-586500-000892`
Alternative APNs	`222826586500000892` `22826000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,269 sqft Living Area
1st Floor Area	1,269 sqft
Flooring	Terrazzo
Interior Walls	Wood

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	9,453 sqft (0.217 acres)
View / Lot	Commercial/Industrial

Exterior Amenities

Pool Area	450 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	340 sqft
Utility Building	60 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	304 15TH ST NE
City	WINTER HAVEN
State	FL
Zip	33881-4318
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LAKE ELBERT HEIGHTS PB 18 PG 34 S22/27 T28 R26 LOTS 89 S1/2 & S1/2 OF 90
Legal Range	26E
Legal Township	28S
Legal Section	22
Legal Subdivision	LAKE ELBERT HEIGHTS
Legal Tract	586500
Legal Block	4
Legal Lot Number	89
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4052
Census Tract	13702

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 Record	Individual Name on Record
Mailing Address	304 15TH ST NE, WINTER HAVEN, FL 33881-4318
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 1999 · Amount on Record
Deed Sale	Apr 15, 1999 · Amount on Record
Prior Sale	Oct 26, 1996 · Amount on Record
Deed Book / Page	4222 / 702
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	304 15TH ST NE, WINTER HAVEN, FL 33881-4318
Document Number	0112070491
Instrument Date	Apr 13, 2020
Transaction Type	Mortgage
Record Updated	May 13, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	534 JAMAICAN DR LAKE WALES FL 338596926, LAKE WALES, FL 33859-6926

Mortgage

Document Number	0112070491
Date	Apr 15, 2020
Book Page	011207/000491
Instrument	79695

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 14, 2050

Tax Assessment & Valuation

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		$207,935 (+1%)	$212,740 (+12.54%) Land $31,192 Building $181,548
2025	$2,505.00 (-16.75%)	$189,032 (-0.83%) Land $31,192 Building $157,840	$189,032 (-0.83%) Land $31,192 Building $157,840
2023	$3,009.00 (+8.98%)	$190,622 (+12.67%) Land $30,246 Building $160,376	$190,622 (+12.67%) Land $30,246 Building $160,376
2022	$2,761.00	$169,193 Land $25,520 Building $143,673	$169,193 Land $25,520 Building $143,673

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	6 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 Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% 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 267 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30