Polk County property record for 324 Suwannee Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,449 sqft · built 1974 |
| Lot Size | 0.297 acres (12,942 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $774 (2025) |
| Deeds & Mortgages | Apr 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-34-659500-004641 |
| Primary APN | 26-28-34-659500-004641 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,449 sqft Living Area |
| Gross Area | 2,049 sqft |
| 1st Floor Area | 1,449 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 12,942 sqft (0.297 acres) |
| Lot Dimensions | 165 ft deep x 79 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 446 sqft |
| Street Address | 324 SUWANNEE RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-1466 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | ELOISE WOODS EAST LAKE MARIAM UNIT PB 19 PGS 32 32A IN S34/35 T 28 R26 LOTS 464 LESS NLY 10 FT & NLY 30 FT OF 465 BEING LOT 132 OF UNREC VALENCIA WOOD |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 34 |
| Legal Subdivision | ELOISE WOODS EAST LAKE MARIAM UNIT |
| Legal Tract | 659500 |
| Legal Block | 2 |
| Legal Lot Number | 464 |
| Legal Unit | PB |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 13902 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 324 SUWANNEE RD, WINTER HAVEN, FL 33884-1466 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 324 SUWANNEE RD, WINTER HAVEN, FL 33884-1466 |
| Document Number | 0104571899 |
| Instrument Date | Apr 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2018 |
| Name | Verified Name |
|---|---|
| Address | 324 SUWANNEE RD WINTER HAVEN FL 338841466, WINTER HAVEN, FL 33884-1466 |
| Document Number | 0104571899 |
|---|---|
| Date | Apr 18, 2018 |
| Book Page | 010457/001899 |
| Instrument | 82540 |
| Name | CITIZENS BK |
|---|---|
| Type | Bank |
| Address | FROSTPROOF, FL 33843 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $106,699 (+2.7%) | $222,707 (-1.19%) Land $43,767 Building $178,940 | |
| 2025 | $774.00 (-34.96%) Homeowner's exemption | $103,894 (+5.99%) | $225,381 (-3.08%) Land $43,767 Building $181,614 |
| 2023 | $1,190.00 (-0.25%) Homeowner's exemption | $98,025 (+3%) | $232,553 (+12.24%) Land $42,615 Building $189,938 |
| 2022 | $1,193.00 Homeowner's exemption | $95,170 | $207,193 Land $35,674 Building $171,519 |
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 |
| Flood Insurance Cost | Premium on Record median of 25 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 25 in force |
| Nearby Flood Claims | 2 (2004) |
| Most Recent Claim | Sep 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 308 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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