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304 Central Ave, Frostproof, FL 33843 Property Records

Polk County property record for 304 Central Ave, Frostproof, FL 33843

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,624 sqft · built 1983
Lot Size0.207 acres (8,995 sqft)
Owner2 Individual Names on File
Last Sale$100 (Jan 2023)
Tax Bill$1,784 (2025)
Deeds & MortgagesMay 2022 Sale & Mortgage
Jan 2023 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN28-32-07-985700-014110

Property Details

APN / Parcel Number

Primary APN28-32-07-985700-014110
Alternative APNs
  • 073228985700014110
  • 73228000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,624 sqft Living Area
1st Floor Area1,372 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 2005
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area8,995 sqft (0.207 acres)
Lot Dimensions120 ft deep x 75 ft wide
View / LotCommercial/Industrial
Garage TypeCarport
Garage Area252 sqft
CarportCarport
Carport Area252 sqft

Exterior Amenities

PorchFlorida Room
Porch Area54 sqft
Shed1 Shed
Utility Building84 sqft

Location & Zoning

Street Address304 CENTRAL AVE
CityFROSTPROOF
StateFL
Zip33843-9133
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionSUN RAY HOMES PLAT NO 1 PB 43 PG 8 BLK N LOT 11
Legal Range28E
Legal Township32S
Legal Section07
Legal SubdivisionSUN RAY HOMES PLAT NO 1
Legal Tract985700
Legal BlockN
Legal Lot Number11
JurisdictionPOLK FL
Township / Civil DivisionFROSTPROOF
Census Block Group2
Census Block2034
Census Tract15801

Owner

304 Central Ave is owned and occupied by two individuals who bought it in January 2023.

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

Owner of Record2 Individual Names on File
Mailing Address304 CENTRAL AVE, FROSTPROOF, FL 33843-9133
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

DateDocument
May 24, 2022Warranty Deed, Transfer · VA Mortgage
THE HOME LOAN EXPERT LLC
Jan 3, 2023Correction Deed · VA Mortgage
THE HOME LOAN EXPERT LLC
May 22, 2018Warranty Deed, Transfer
HAVEN TITLE LLC
May 24, 2018Warranty Deed, Transfer
HAVEN TITLE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 3, 2023 · Amount on File
Deed SaleJan 3, 2023 · Amount on File
Prior SaleMay 24, 2018 · Amount on File
Deed Document Number2023661
Deed Book / Page12538 / 11
Record UpdatedOct 29, 2026

May 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHILLSBOROUGH FL
Recording DateMay 24, 2022
Property Address304 CENTRAL AVE, FROSTPROOF, FL 33843-9133
Document Number0000265745
Map ReferenceMB 43 PG 8
Instrument DateMay 11, 2022
Instrument2022265745
Transaction TypeTransfer
Record UpdatedJun 13, 2022
Title CompanyNOT AVAILABLE, HEIGHTS TITLE COMPANY LLC

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,452.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address968 WHISPER LAKE DR, 968, WINTER HAVEN, FL 33880-1771

Transferred To (Grantee/Buyer)

NameVerified Name
Address304 CENTRAL AVE, FROSTPROOF, FL 33843-9133

Mortgage

Document Number0000265746
DateMay 24, 2022
Instrument2022265746
Lender
NameTHE HOME LOAN EXPERT LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueJun 1, 2052

January 2023: Correction Deed

Document TypeCorrection Deed
JurisdictionPOLK FL
Recording DateJan 3, 2023
Property Address304 CENTRAL AVE, FROSTPROOF, FL 33843-9133
Document Number0000000661
Book / Page12538 / 11
Map ReferenceMB 43 PG 8
Instrument DateMay 11, 2022
Instrument2023000661
Record UpdatedJan 16, 2023
Title CompanyHIEGHTS TITLE COMPANY LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address968 WHISPER LAKE DR, WINTER HAVEN, FL 33880-1771

Transferred To (Grantee/Buyer)

NameVerified Name
Address304 CENTRAL AVE, FROSTPROOF, FL 33843-9133

Mortgage

Document Number0000000662
DateJan 3, 2023
Book Page12538/13
Instrument2023000662
Lender
NameTHE HOME LOAN EXPERT LLC
TypeMortgage Company
AddressSAINT LOUIS, MO 63144
Agreement
TypeVA Mortgage
AmountAmount on Record
Term353 Months
DueJun 1, 2052

May 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMay 22, 2018
Property Address304 CENTRAL AVE, FROSTPROOF, FL 33843-9133
Document Number0104930397
Book / Page010493 / 000397
Instrument DateMay 17, 2018
Instrument109674
Transaction TypeTransfer
Record UpdatedJun 18, 2018
Title CompanyHAVEN TITLE LLC

Transaction

AmountAmount on Record
Tax$210.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCorporate Trust
Address111 N ORANGE AVE ORLANDO FL 328012316, ORLANDO, FL 32801-2316

May 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMay 24, 2018
Property Address304 CENTRAL AVE, FROSTPROOF, FL 33843-9133
Document Number0104942111
Book / Page010494 / 002111
Instrument DateMay 17, 2018
Instrument110959
Transaction TypeTransfer
Record UpdatedJun 19, 2018
Title CompanyHAVEN TITLE LLC

Transaction

AmountAmount on Record
Tax$280.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 622 ALTURAS FL 338200622, ALTURAS, FL 33820-0622

Tax Assessment & Valuation

The 2025 property tax bill for 304 Central Ave was $1,784 with a homeowner's exemption.

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$182,050 (+2.16%) Land $21,000 Building $161,050$182,050 (+2.16%) Land $21,000 Building $161,050
2025$1,784.00$178,209 Land $21,000 Building $157,209$178,209 Land $21,000 Building $157,209
2023$2,310.00 (+34.46%) Homeowner's exemption$175,234 (+16.74%) Land $13,500 Building $161,734$175,234 (+16.74%) Land $13,500 Building $161,734
2022$1,718.00$150,102 Land $7,700 Building $142,402$150,102 Land $7,700 Building $142,402

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

Flood

FEMA maps place 304 Central Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2005.

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
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies2 in force
Nearby Flood Claims1 (2005)
Most Recent ClaimOct 2005 · Hurricane Wilma

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 304 Central Ave is high, ranking above 75% of the US, with a 0.4% annual chance of 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 292 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
T-Mobile
Fixed Wireless		100 / 20

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