304 Temple Ct, Winter Haven, FL 33880 Property Records

Polk County property record for 304 Temple Ct, Winter Haven, FL 33880 · Last verified July 2026

Property Summary

Property Type	Mobile Home
Details	1,456 sqft · built 1986
Lot Size	0.366 acres (15,926 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Oct 2023)
Tax Bill	$2,233 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Oct 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-28-28-354770-040020`

Property Details

APN / Parcel Number

Primary APN	`25-28-28-354770-040020`
Alternative APNs	`282825354770040020` `82825000`

Interior

Building Area	1,456 sqft Living Area
1st Floor Area	1,456 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2015
Architectural Style	Mobile Home
Lot Area	15,926 sqft (0.366 acres)
Lot Dimensions	177 ft deep x 90 ft wide

Location & Zoning

Street Address	304 TEMPLE CT
City	WINTER HAVEN
State	FL
Zip	33880-1026
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	ORANGE HILL SUB PB 58 PG 40 BLK 4 LOT 2
Legal Range	25E
Legal Township	28S
Legal Section	28
Legal Subdivision	ORANGE HILLS SUBDIVISION
Legal Tract	354770
Legal Block	4
Legal Lot Number	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2002
Census Tract	14703

Owner

Source: Polk County records · APN 25-28-28-354770-040020

Assessment roll updated June 23, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	304 TEMPLE CT, WINTER HAVEN, FL 33880-1026
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2023	Warranty Deed, Transfer · FHA Mortgage GENEVA FINANCIAL LLC
Oct 25, 2021	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 09, 2018	Warranty Deed, Transfer INTEGRITY FIRST TITLE LLC/DAVE
Sep 24, 2018	Warranty Deed, Transfer INTEGRITY FIRST TITLE LLC/DAVE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 27, 2023 · Amount on Record
Deed Sale	Oct 27, 2023 · Amount on Record
Prior Sale	Oct 25, 2021 · Amount on Record
Deed Document Number	2023255229
Deed Book / Page	12890 / 131
Record Updated	Sep 20, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 27, 2023
Property Address	304 TEMPLE CT, WINTER HAVEN, FL 33880-1026
Document Number	0000255229
Book / Page	12890 / 131
Map Reference	MB 58 PG 40
Instrument Date	Oct 24, 2023
Instrument	2023255229
Transaction Type	Transfer
Record Updated	Nov 10, 2023
Title Company	CAPSTONE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4725 HUNT RD, BARTOW, FL 33830-9555

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 TEMPLE CT, WINTER HAVEN, FL 33880-1026

Mortgage

Document Number	0012890133
Date	Oct 27, 2023
Instrument	12890/133

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2053

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 25, 2021
Property Address	304 TEMPLE CT, WINTER HAVEN, FL 33880-1026
Document Number	0000277462
Book / Page	11951 / 1089
Map Reference	MB 58 PG 40
Instrument Date	Sep 27, 2021
Instrument	2021277462
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	GOLDEN RULE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	281 SE VOLTAIR TER, 281, PORT SAINT LUCIE, FL 34983-3747

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 TEMPLE CT, WINTER HAVEN, FL 33880-1026

Mortgage

Document Number	0119511091
Date	Oct 25, 2021
Instrument	11951/1091

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2051

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 09, 2018
Property Address	304 TEMPLE CT, WINTER HAVEN, FL 33880-1026
Document Number	0106361636
Book / Page	010636 / 001636
Instrument Date	Oct 08, 2018
Instrument	213440
Transaction Type	Transfer
Record Updated	Oct 25, 2018
Title Company	INTEGRITY FIRST TITLE LLC/DAVE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 SE VOLTAIR TER PORT ST LUCIE FL 349833747, PORT ST LUCIE, FL 34983-3747

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 24, 2018
Property Address	304 TEMPLE CT, WINTER HAVEN, FL 33880-1026
Document Number	0106210817
Book / Page	010621 / 000817
Instrument Date	Sep 21, 2018
Instrument	202078
Transaction Type	Transfer
Record Updated	Oct 11, 2018
Title Company	INTEGRITY FIRST TITLE LLC/DAVE

Transaction

Amount	Amount Recorded
Tax	$154.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 SE VOLTAIR TER PORT ST LUCIE FL 349833747, PORT ST LUCIE, FL 34983-3747

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,233.00 (+7.46%) Homeowner's exemption	$212,926 (+31.46%) Land $40,000 Building $172,926	$212,926 (+9.25%) Land $40,000 Building $172,926
2023	$2,078.00 (+3.59%) Homeowner's exemption	$161,966 (+3%)	$194,902 (+23.94%) Land $30,000 Building $164,902
2022	$2,006.00 Homeowner's exemption	$157,249 Land $20,000 Building $137,249	$157,249 Land $20,000 Building $137,249

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050147032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 12 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2004–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2024, rainfall accumulation, Hurricane Milton

Wildfire

Wildfire Risk	Moderate above 65% of the US · above 41% of Florida
Wildfire Likelihood	About 1 in 429 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 213 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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