Polk County property record for 315 Ave K NE, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,135 sqft · built 1942 |
| Lot Size | 0.314 acres (13,665 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $120,000 (May 2019) |
| Tax Bill | $2,567 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage May 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-21-584000-001310 |
| Primary APN | 26-28-21-584000-001310 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,135 sqft Living Area |
| Gross Area | 1,015 sqft |
| 1st Floor Area | 1,015 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plaster |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 13,665 sqft (0.314 acres) |
| Lot Dimensions | 130 ft deep x 105 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Carport |
| Garage Area | 252 sqft |
| Carport | Carport |
| Carport Area | 252 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 336 sqft |
| Street Address | 315 AVENUE K NE |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33881-4138 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1C |
| Legal Description | SILVERCREST ADD PB 13 PGS 35 35A BLK 1 LOTS 31 W 30 FT & 32 & E1/2 OF 33 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 21 |
| Legal Subdivision | SILVERCREST ADDITION |
| Legal Tract | 584000 |
| Legal Block | 1 |
| Legal Lot Number | 31 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 13702 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 315 AVENUE K NE, WINTER HAVEN, FL 33881-4138 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 28, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| May 14, 2019 | Warranty Deed, Transfer · FHA Mortgage FREEDOM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 14, 2019 · Amount on Record |
| Deed Sale | May 14, 2019 · Amount on Record |
| Prior Sale | Apr 13, 2007 · Amount on Record |
| Deed Document Number | 201998064 |
| Deed Book / Page | 10840 / 379 |
| Prior Transfer Date | Jul 20, 2004 |
| Prior Transfer Doc | 0000147797 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 315 AVENUE K NE, WINTER HAVEN, FL 33881-4138 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 315 AVENUE K NE, WINTER HAVEN, FL 33881-4138 |
| Document Number | 0000335889 |
|---|---|
| Date | Dec 28, 2021 |
| Book Page | 12044/324 |
| Instrument | 2021335889 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 330 Months |
| Due | Jun 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 14, 2019 |
| Property Address | 315 AVENUE K NE, WINTER HAVEN, FL 33881-4138 |
| Document Number | 0108400379 |
| Book / Page | 010840 / 000379 |
| Instrument Date | May 6, 2019 |
| Instrument | 98064 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $840.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 315 AVENUE K SE WINTER HAVEN FL 33880, WINTER HAVEN, FL 33880 |
| Document Number | 108400380 |
|---|---|
| Date | May 14, 2019 |
| Book Page | 010840/000380 |
| Instrument | 98065 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 13, 2049 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $142,142 (+1%) | $147,741 (-1.44%) Land $13,299 Building $134,442 | |
| 2025 | $2,567.00 (+18.73%) | $129,220 (+2.29%) | $149,906 (+18.66%) Land $13,299 Building $136,607 |
| 2023 | $2,162.00 (+9.86%) | $126,328 (+12.95%) Land $12,899 Building $113,429 | $126,328 (+12.95%) Land $12,899 Building $113,429 |
| 2022 | $1,968.00 | $111,845 Land $10,503 Building $101,342 | $111,845 Land $10,503 Building $101,342 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 in force |
| Nearby Flood Claims | 2 (2026) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | May 2026 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 103 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Alternative Choice Wireless, Frontier, T-Mobile, Verizon.
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