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320 Duval Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 320 Duval Rd, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,882 sqft · built 1973
Lot Size0.21 acres (9,152 sqft)
Owner2 Individual Names on File
Last Sale$180,000 (Mar 2018)
Tax Bill$2,896 (2025)
Deeds & MortgagesMar 2018 Sale & Mortgage
Aug 2017 Sale & Construction Loan
+ 1 more
Flood ZoneZone X (minimal risk)
APN26-28-34-659500-005791

Property Details

APN / Parcel Number

Primary APN26-28-34-659500-005791
Alternative APNs
  • 342826659500005791
  • 42826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,882 sqft Living Area
1st Floor Area1,882 sqft
FlooringTerrazzo
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1973
Effective Year BuiltEffective 1973
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Roof TypeGable
Roof MaterialOther
Lot Area9,152 sqft (0.21 acres)
Lot Dimensions112 ft deep x 80 ft wide
View / LotCommercial/Industrial
Garage TypeCarport
Garage Area240 sqft
CarportCarport
Carport Area240 sqft

Exterior Amenities

Pool Area480 sqft
Pool HousePool House
PorchUnfinished Open Porch
Porch Area150 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address320 DUVAL RD
CityWINTER HAVEN
StateFL
Zip33884-1514
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionELOISE WOODS EAST LAKE MARIAM UNIT PB 19 PGS 32 32A IN S34/35 T28 R26 LOTS 579 N 80 FT & N 80 FT OF 580
Legal Range26E
Legal Township28S
Legal Section34
Legal SubdivisionELOISE WOODS EAST LAKE MARIAM UNIT
Legal Tract659500
Legal Block2
Legal Lot Number579
Legal UnitPB
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2037
Census Tract13902

Owner

Source: Polk County assessment roll, as of June 23, 2026

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

Owner of Record2 Individual Names on File
Mailing Address320 DUVAL RD, WINTER HAVEN, FL 33884-1514
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 23, 2018Warranty Deed, Transfer · FHA Mortgage
PACIFIC UNION FIN'L
Aug 4, 2017Grant Deed, Construction Loan · Construction Mortgage
RCN CAP
Aug 4, 2017Warranty Deed, Transfer
STONEBRIDGE TITLE GROUP LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 23, 2018 · Amount on Record
Deed SaleMar 23, 2018 · Amount on Record
Prior SaleAug 4, 2017 · Amount on Record
Deed Document Number201863131
Deed Book / Page10432 / 1887
Record UpdatedSep 20, 2026

March 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMar 23, 2018
Property Address320 DUVAL RD, WINTER HAVEN, FL 33884-1514
Document Number0104321887
Book / Page010432 / 001887
Instrument DateFeb 28, 2018
Instrument63131
Transaction TypeTransfer
Record UpdatedMay 3, 2018
Title CompanyARTESIAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,260.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2037 VALENCIA CIRCLE

Mortgage

Document Number104321889
DateMar 23, 2018
Book Page010432/001889
Instrument63132
Lender
NamePACIFIC UNION FIN'L
TypeFunding / Finance Company
AddressIRVING, TX 75063
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMar 22, 2048

August 2017: Grant Deed, Construction Loan

Document TypeGrant Deed
JurisdictionPOLK FL
Recording DateAug 4, 2017
Property Address320 DUVAL RD, WINTER HAVEN, FL 33884-1514
Document Number0102251137
Book / Page010225 / 001137
Instrument DateAug 2, 2017
Instrument149886
Transaction TypeConstruction Loan
Record UpdatedAug 18, 2017
Title CompanySTONEBRIDGE TITLE GROUP LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$875.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address9807 LEE ST HUDSON FL 346693875, HUDSON, FL 34669-3875

Mortgage

Document Number102251139
DateAug 4, 2017
Book Page010225/001139
Instrument149887
Lender
NameRCN CAP
TypeFunding / Finance Company
AddressSOUTH WINDSOR, CT 06074
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term12 Months
DueAug 3, 2018

August 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateAug 4, 2017
Property Address320 DUVAL RD, WINTER HAVEN, FL 33884-1514
Document Number0102240782
Book / Page010224 / 000782
Instrument DateAug 1, 2017
Instrument148924
Transaction TypeTransfer
Record UpdatedAug 21, 2017
Title CompanySTONEBRIDGE TITLE GROUP LLC

Transaction

AmountAmount Recorded
Tax$833.00

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address2699 LEE RD #120 WINTER PARK FL 327891738, 120, WINTER PARK, FL 32789-1738

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,896.00 (-9.5%)$218,513 (-2.23%) Land $34,781 Building $183,732$218,513 (-2.23%) Land $34,781 Building $183,732
2023$3,200.00 (+5.96%)$223,506 (+4.51%) Land $33,866 Building $189,640$223,506 (+4.51%) Land $33,866 Building $189,640
2022$3,020.00$213,851 Land $28,374 Building $185,477$213,851 Land $28,374 Building $185,477

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 25 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies25 in force
Nearby Flood Claims2 (2004)
Most Recent ClaimSep 2004 · Hurricane Frances

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 RiskLow
lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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 148 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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