326 Towhee Rd, Winter Haven, FL 33881 Property Records

Polk County property record for 326 Towhee Rd, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,302 sqft · built 2004
Lot Size	0.26 acres (11,317 sqft)
Owner	2 Individual Names on File
Last Sale	$249,900 (May 2019)
Tax Bill	$3,380 (2025)
Deeds & Mortgages	May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-13-532313-000190`

Property Details

APN / Parcel Number

Primary APN	`26-28-13-532313-000190`
Alternative APNs	`132826532313000190` `32826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,302 sqft Living Area
Gross Area	2,742 sqft
1st Floor Area	2,302 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Metal
Lot Area	11,317 sqft (0.26 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	440 sqft
Porch	Unfinished Open Porch
Porch Area	48 sqft

Location & Zoning

Street Address	326 TOWHEE RD
City	WINTER HAVEN
State	FL
Zip	33881-8249
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMILTON WEST PHASE ONE PB 121 PGS 22 & 23 LOT 19
Legal Range	26E
Legal Township	28S
Legal Section	13
Legal Subdivision	HAMILTON WEST PHASE ONE
Legal Phase	1
Legal Tract	532313
Legal Block	2
Legal Lot Number	19
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2010
Census Tract	12802

Owner

326 Towhee Rd is owned and occupied by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	326 TOWHEE RD, WINTER HAVEN, FL 33881-8249
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	May 16, 2019 · Amount on File
Deed Sale	May 16, 2019 · Amount on File
Prior Sale	Oct 8, 2012 · Amount on File
Deed Document Number	2019100496
Deed Book / Page	10843 / 536
Record Updated	Oct 29, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 16, 2019
Property Address	326 TOWHEE RD, WINTER HAVEN, FL 33881-8249
Document Number	0108430536
Book / Page	010843 / 000536
Instrument Date	May 15, 2019
Instrument	100496
Transaction Type	Transfer
Record Updated	May 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,749.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	OAK HARBOR CP HAINES CITY FL 33844, HAINES CITY, FL 33844

Mortgage

Document Number	108430537
Date	May 16, 2019
Book Page	010843/000537
Instrument	100497

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 15, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 326 Towhee Rd was $3,380 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		$230,278 (+2.7%)	$277,161 (-2.81%) Land $60,000 Building $217,161
2025	$3,380.00 Homeowner's exemption	$224,224	$285,182 Land $60,000 Building $225,182
2023	$3,186.00 (+2.97%) Homeowner's exemption	$211,558 (+3%)	$312,612 (+17.71%) Land $58,000 Building $254,612
2022	$3,094.00 Homeowner's exemption	$205,396	$265,576 Land $48,000 Building $217,576

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 326 Towhee Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2022.

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 39 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	3 (2022–2023)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2023 · Hurricane Idalia
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims

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 326 Towhee Rd is moderate, ranking above 59% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 127 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