320 Hatfield Rd, Winter Haven, FL 33880 Property Records

Polk County property record for 320 Hatfield Rd, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,367 sqft · built 1958
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$35,600 (Oct 2019)
Tax Bill	$1,131 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Sep 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-28-25-353900-000110`

Property Details

APN / Parcel Number

Primary APN	`25-28-25-353900-000110`
Alternative APN	`52825000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,367 sqft Living Area
Gross Area	924 sqft
1st Floor Area	924 sqft
Flooring	Terrazzo
Interior Walls	Plaster

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	10,001 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	418 sqft
Carport	Carport
Carport Area	418 sqft

Exterior Amenities

Pool Area	180 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	791 sqft
Utility Building	77 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	320 HATFIELD RD
City	WINTER HAVEN
State	FL
Zip	33880-1328
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	JAN PHYL VILLAGE UNIT 7 PB 42 PG 30 LOT 11
Legal Range	25E
Legal Township	28S
Legal Section	25
Legal Subdivision	JAN PHYL VILLAGE UNIT 07
Legal Tract	353900
Legal Block	1
Legal Lot Number	11
Legal Unit	7
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1004
Census Tract	13802

Owner

Source: Polk County records, 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 Record	2 Individual Names on Record
Mailing Address	320 HATFIELD RD, WINTER HAVEN, FL 33880-1328
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2022	Deed of Trust, Mortgage UNLOCK PARTNRSHIP SOLUTION INC
Sep 21, 2020	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Oct 16, 2019	Warranty Deed, Transfer JAMES H LAWRENCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2019 · Amount on Record
Deed Sale	Oct 16, 2019 · Amount on Record
Prior Sale	Dec 16, 1998 · Amount on Record
Deed Document Number	2019218965
Deed Book / Page	11007 / 1284
Prior Transfer Date	Mar 13, 2003
Prior Transfer Doc	5293000264
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	320 HATFIELD RD, WINTER HAVEN, FL 33880-1328
Transaction Type	Mortgage
Record Updated	Apr 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000086285
Date	Mar 30, 2022
Book Page	12185/1719
Instrument	2022086285

Lender

Name	UNLOCK PARTNRSHIP SOLUTION INC
Type	Non-Lending Institution
Address	NEW YORK, NY 10016

Agreement

Amount	Amount Recorded

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	320 HATFIELD RD, WINTER HAVEN, FL 33880-1328
Document Number	0113962088
Instrument Date	Sep 21, 2020
Transaction Type	Mortgage
Record Updated	Oct 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	320 HATFIELD RD WINTER HAVEN FL 338801328, WINTER HAVEN, FL 33880-1328

Mortgage

Document Number	0113962088
Date	Oct 1, 2020
Book Page	011396/002088
Instrument	206082

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 30, 2030

Interest

Rate Type	Adjustable Rate

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 16, 2019
Property Address	320 HATFIELD RD, WINTER HAVEN, FL 33880-1328
Document Number	0110071284
Book / Page	011007 / 001284
Instrument Date	Oct 15, 2019
Instrument	218965
Transaction Type	Transfer
Record Updated	Nov 4, 2019
Title Company	REAL ESTATE TITLE, REAL ESTATE TITLE SVCS CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$249.20
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	320 HATFIELD RD WINTER HAVEN FL 338801328, WINTER HAVEN, FL 33880-1328

Mortgage

Document Number	110071285
Date	Oct 16, 2019
Book Page	011007/001285
Instrument	218966

Lender

Name	JAMES H LAWRENCE
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Oct 15, 2021

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,131.00 (-30.14%) Homeowner's exemption	$127,704 (+5.99%)	$191,964 (+2.7%) Land $14,500 Building $177,464
2023	$1,619.00 (+4.72%) Homeowner's exemption	$120,490 (+3%)	$186,926 (+20.48%) Land $14,000 Building $172,926
2022	$1,546.00 Homeowner's exemption	$116,981	$155,146 Land $11,500 Building $143,646

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2008 · Tropical Storm Fay

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 Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within 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 System	CENTRAL serves 13,595 people · EPA ID FL6534609
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 377 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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