Polk County property record for 331 Cloverdale Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,867 sqft · built 2006 |
| Lot Size | 0.185 acres (8,050 sqft) |
| Owner | Company Name on Record |
| Last Sale | $37,000 (Oct 2005) |
| Tax Bill | $4,574 (2025) |
| Deeds & Mortgages | Feb 2018 Sale May 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-13-687551-001370 |
| Primary APN | 26-29-13-687551-001370 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,867 sqft Living Area |
| Gross Area | 2,308 sqft |
| 1st Floor Area | 1,867 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 8,050 sqft (0.185 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 164 sqft |
| Street Address | 331 CLOVERDALE RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-4215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SAVANNA POINTE PLAT BOOK 129 PGS 49 THRU 52 LOT 137 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 13 |
| Legal Subdivision | SAVANNA POINTE |
| Legal Tract | 687551 |
| Legal Block | 2 |
| Legal Lot Number | 137 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 14401 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 1717 MAIN ST, 2000, DALLAS, TX 75201-4657 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Feb 12, 2018 | Grant Deed, Transfer OS NATIONAL LLC |
| May 2, 2017 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICAN FORK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 14, 2005 · Amount on Record |
| Deed Sale | Oct 14, 2005 · Amount on Record |
| Deed Document Number | 2005251086 |
| Deed Book / Page | 6443 / 853 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 12, 2018 |
| Property Address | 331 CLOVERDALE RD, WINTER HAVEN, FL 33884-4215 |
| Document Number | 0103941489 |
| Book / Page | 010394 / 001489 |
| Instrument Date | Feb 8, 2018 |
| Instrument | 32273 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2018 |
| Title Company | OS NATIONAL LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1717 MAIN ST #2000 DALLAS TX 752014657, 2000, DALLAS, TX 75201-4657 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 2, 2017 |
| Property Address | 331 CLOVERDALE RD, WINTER HAVEN, FL 33884-4215 |
| Document Number | 0101340334 |
| Book / Page | 010134 / 000334 |
| Instrument Date | Apr 24, 2017 |
| Instrument | 82980 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2018 |
| Title Company | HILLSBOROUGH TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,043.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 254 CLOVERDALE RD WINTER HAVEN FL 338844212, WINTER HAVEN, FL 33884-4212 |
| Document Number | 101340336 |
|---|---|
| Date | May 2, 2017 |
| Book Page | 010134/000336 |
| Instrument | 82981 |
| Name | BANK OF AMERICAN FORK |
|---|---|
| Type | Bank |
| Address | AMERICAN FORK, UT 84003 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2047 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $240,712 (-1.61%) Land $35,000 Building $205,712 | $240,712 (-1.61%) Land $35,000 Building $205,712 | |
| 2025 | $4,574.00 (+3.7%) | $244,659 (+1.32%) Land $35,000 Building $209,659 | $244,659 (+1.32%) Land $35,000 Building $209,659 |
| 2024 | $4,411.00 (+7.51%) | ||
| 2023 | $4,103.00 (+9.04%) | $241,479 (+9.67%) Land $34,000 Building $207,479 | $241,479 (+9.67%) Land $34,000 Building $207,479 |
| 2022 | $3,763.00 | $220,191 Land $28,000 Building $192,191 | $220,191 Land $28,000 Building $192,191 |
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 29 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 29 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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.
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 225 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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