331 Ave J SE, Winter Haven, FL 33880 Property Records

Polk County property record for 331 Ave J SE, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,602 sqft · built 1935
Lot Size	0.241 acres (10,498 sqft)
Owner	Company Name on Record
Last Sale	$225,000 (Jul 2021)
Tax Bill	$3,054 (2025)
Deeds & Mortgages	Apr 2025 Mortgage Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-28-612500-001150`

Property Details

APN / Parcel Number

Primary APN	`26-28-28-612500-001150`
Alternative APNs	`282826612500001150` `82826000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,602 sqft Living Area
1st Floor Area	858 sqft
Upper Floors Area	744 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1985
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Other
Lot Area	10,498 sqft (0.241 acres)
Lot Dimensions	140 ft deep x 75 ft wide
View / Lot	Commercial/Industrial
Garage Type	Detached
Garage Area	240 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	578 sqft

Location & Zoning

Street Address	331 AVENUE J SE
City	WINTER HAVEN
State	FL
Zip	33880-3659
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	PINE CREST HEIGHTS PB 13 PG 31 BLK A LOTS 15 W1/2 & 16
Legal Range	26E
Legal Township	28S
Legal Section	28
Legal Subdivision	PINE CREST HEIGHTS
Legal Tract	612500
Legal Block	A
Legal Lot Number	15
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2038
Census Tract	13901

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	Company Name on Record
Mailing Address	331 AVENUE J SE, WINTER HAVEN, FL 33880-3659
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 8, 2021	Warranty Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Sep 27, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2021 · Amount on Record
Deed Sale	Jul 8, 2021 · Amount on Record
Prior Sale	Jun 16, 2009 · Amount on Record
Deed Document Number	2021175953
Deed Book / Page	11792 / 379
Record Updated	Sep 20, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	331 AVENUE J SE, WINTER HAVEN, FL 33880-3659
Transaction Type	Mortgage
Record Updated	Apr 23, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 AVENUE J SE, WINTER HAVEN, FL 33880-3659

Mortgage

Document Number	0000083895
Date	Apr 11, 2025
Book Page	13504/1959
Instrument	2025083895

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	315 Months
Due	Jul 1, 2051

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 8, 2021
Property Address	331 AVENUE J SE, WINTER HAVEN, FL 33880-3659
Document Number	0000175953
Book / Page	11792 / 379
Map Reference	MB 13 PG 31
Instrument Date	Jun 29, 2021
Instrument	2021175953
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	SMART TITLE II LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	550 LAKE HOWARD DR NW, 550, WINTER HAVEN, FL 33880-2319

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 AVENUE J SE, WINTER HAVEN, FL 33880-3659

Mortgage

Document Number	0011792381
Date	Jul 8, 2021
Instrument	11792/381

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 27, 2018
Property Address	331 AVENUE J SE, WINTER HAVEN, FL 33880-3659
Document Number	0106250369
Book / Page	010625 / 000369
Instrument Date	Sep 18, 2018
Instrument	205056
Transaction Type	Transfer
Record Updated	Oct 15, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	550 LAKE HOWARD DR NW WINTER HAVEN FL 338802319, WINTER HAVEN, FL 33880-2319

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 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
2025	$3,054.00 (+6%) Homeowner's exemption	$204,129 (+5.99%)	$243,128 (+0.41%) Land $32,744 Building $210,384
2023	$2,881.00 (+2.89%) Homeowner's exemption	$192,598 (+3%)	$242,132 (+29.49%) Land $27,870 Building $214,262
2022	$2,800.00 Homeowner's exemption	$186,988 Land $23,246 Building $163,742	$186,988 Land $23,246 Building $163,742

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 8 (10% premium discount)
Nearby Flood Policies	2 in force

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 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.

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 159 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Frontier, Verizon.

Nearby Properties on Ave J SE

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures