Polk County property record for 328 Cutrone Rd, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,096 sqft · built 1968 |
| Lot Size | 0.452 acres (19,689 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $159,570 (Apr 2018) |
| Tax Bill | $1,068 (2025) |
| Deeds & Mortgages | Oct 2026 Mortgage Apr 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-17-689900-000280 |
| Primary APN | 26-29-17-689900-000280 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,096 sqft Living Area |
| Gross Area | 1,928 sqft |
| 1st Floor Area | 1,928 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 2005 |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 19,689 sqft (0.452 acres) |
| Lot Dimensions | 140 ft deep x 140 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Screened/Unfinished Porch |
|---|---|
| Porch Area | 276 sqft |
| Shed | 1 Shed |
| Utility Building | 120 sqft |
| Cooling System | Central |
|---|
| Street Address | 328 CUTRONE RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-5601 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | CUTRONE PARK PB 39 PG 22 LOTS 28 & 29 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 17 |
| Legal Subdivision | CUTRONE PARK |
| Legal Tract | 689900 |
| Legal Block | 3 |
| Legal Lot Number | 28,29 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 14501 |
Source: Polk County records, as of October 19, 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 | 328 CUTRONE RD, WINTER HAVEN, FL 33880-5601 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 5, 2026 | Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT LP |
| Apr 2, 2018 | Warranty Deed, Transfer · FHA Mortgage FREEDOM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 2, 2018 · Amount on Record |
| Deed Sale | Apr 2, 2018 · Amount on Record |
| Prior Sale | Jul 21, 2014 · Amount on Record |
| Deed Document Number | 201868394 |
| Deed Book / Page | 10439 / 585 |
| Prior Transfer Date | Jun 29, 2011 |
| Prior Transfer Doc | 0000155592 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 5, 2026 |
| Property Address | 328 CUTRONE RD, WINTER HAVEN, FL 33880-5601 |
| Document Number | 0000238833 |
| Book / Page | 14176 / 917 |
| Instrument Date | Aug 31, 2026 |
| Instrument | 2026238833 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2026 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 328 CUTRONE RD, WINTER HAVEN, FL 33880-5601 |
| Document Number | 0000238833, |
|---|---|
| Date | Oct 5, 2026 |
| Book Page | 14176/917 |
| Instrument | 2026238833 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 297 Months |
| Due | Jul 1, 2051 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 2, 2018 |
| Property Address | 328 CUTRONE RD, WINTER HAVEN, FL 33880-5601 |
| Document Number | 0104390585 |
| Book / Page | 010439 / 000585 |
| Instrument Date | Mar 20, 2018 |
| Instrument | 68394 |
| Transaction Type | Transfer |
| Record Updated | May 9, 2018 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,116.99 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 328 CUTRONE RD FL, FL |
| Document Number | 104390587 |
|---|---|
| Date | Apr 2, 2018 |
| Book Page | 010439/000587 |
| Instrument | 68395 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08059 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2048 |
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 | $126,127 (+2.7%) | $213,281 (-3.77%) Land $10,870 Building $202,411 | |
| 2025 | $1,068.00 (-30.01%) Homeowner's exemption | $122,811 (+5.99%) | $221,646 (-4.96%) Land $10,870 Building $210,776 |
| 2023 | $1,526.00 (+4.23%) Homeowner's exemption | $115,874 (+3%) | $233,207 (+21.99%) Land $10,424 Building $222,783 |
| 2022 | $1,464.00 Homeowner's exemption | $112,499 | $191,162 Land $8,663 Building $182,499 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 | GREEN ACRES S/D private · serves 750 people · EPA ID FL6530686 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | 2 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 188 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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