319 Cloverdale Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 319 Cloverdale Rd, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,351 sqft · built 2006
Lot Size	0.185 acres (8,050 sqft)
Owner	2 Individual Names on File
Last Sale	$229,800 (Jan 2007)
Tax Bill	$1,272 (2025)
Deeds & Mortgages	Jul 2016 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`26-29-13-687551-001400`

Property Details

APN / Parcel Number

Primary APN	`26-29-13-687551-001400`
Alternative APNs	`132926687551001400` `32926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,351 sqft Living Area
Gross Area	2,813 sqft
1st Floor Area	2,351 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	8,050 sqft (0.185 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	462 sqft
Porch	Screened/Unfinished Porch
Porch Area	376 sqft

Location & Zoning

Street Address	319 CLOVERDALE RD
City	WINTER HAVEN
State	FL
Zip	33884-4215
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SAVANNA POINTE PLAT BOOK 129 PGS 49 THRU 52 LOT 140
Legal Range	26E
Legal Township	29S
Legal Section	13
Legal Subdivision	SAVANNA POINTE
Legal Tract	687551
Legal Block	2
Legal Lot Number	140
Jurisdiction	POLK FL
Township / Civil Division	LAKE WALES
Census Block Group	2
Census Block	2017
Census Tract	14401

Owner

319 Cloverdale Rd is owned and occupied by two individuals who bought it in January 2007.

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

Owner of Record	2 Individual Names on File
Mailing Address	319 CLOVERDALE RD, WINTER HAVEN, FL 33884-4215
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2007 · Amount on File
Deed Sale	Jan 30, 2007 · Amount on File
Prior Sale	Nov 21, 2006 · Amount on File
Deed Document Number	200721589
Deed Book / Page	7153 / 2002
Record Updated	Oct 29, 2026

July 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	319 CLOVERDALE RD, WINTER HAVEN, FL 33884-4215
Document Number	0102952055
Book / Page	010295 / 002055
Instrument Date	Jul 1, 2016
Transaction Type	Mortgage
Record Updated	Nov 30, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 CLOVERDALE RD WINTER HAVEN FL 338844215, WINTER HAVEN, FL 33884-4215

Mortgage

Document Number	0102952055
Date	Oct 25, 2017
Book Page	010295/002055
Instrument	204076

Lender

Name	NATIONSTAR MTG
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	468 Months
Due	Oct 24, 2056

Interest

Rate Type	Fixed Rate
Rate	3.75%

Tax Assessment & Valuation

The 2025 property tax bill for 319 Cloverdale Rd was $1,272 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$114,503 (+2.7%)	$288,958 (-1.64%) Land $35,000 Building $253,958
2025	$1,272.00 Homeowner's exemption	$111,493	$293,768 Land $35,000 Building $258,768
2023	$1,177.00 (+4.25%) Homeowner's exemption	$105,195 (+3%)	$289,964 (+9.68%) Land $34,000 Building $255,964
2022	$1,129.00 Homeowner's exemption	$102,131	$264,361 Land $28,000 Building $236,361

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 319 Cloverdale Rd in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File median of 29 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	29 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

Wildfire risk around 319 Cloverdale Rd is moderate, ranking above 45% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 225 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20