340 2nd St SE, Winter Haven, FL 33880 Property Records

Polk County property record for 340 2nd St SE, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,300 sqft · built 1949
Lot Size	0.321 acres (13,987 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Sep 2021)
Tax Bill	$2,158 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Oct 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-28-613000-001130`

Property Details

APN / Parcel Number

Primary APN	`26-28-28-613000-001130`
Alternative APNs	`282826613000001130` `82826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,300 sqft Living Area
1st Floor Area	1,300 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Shingles
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	13,987 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
View / Lot	Commercial/Industrial
Garage Type	Detached
Garage Area	448 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	154 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	340 2ND ST SE
City	WINTER HAVEN
State	FL
Zip	33880-3507
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	TWIN OAKS PB 12 PG 16 BLK 1 LOTS 13 & 14
Legal Range	26E
Legal Township	28S
Legal Section	28
Legal Subdivision	TWIN OAKS ADDITION
Legal Tract	613000
Legal Block	1
Legal Lot Number	13,14
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2002
Census Tract	13901

Owner

340 2nd St SE is owned and occupied by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	340 2ND ST SE, WINTER HAVEN, FL 33880-3507
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

Date	Document
Sep 16, 2021	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 30, 2020	Grant Deed, Transfer ATTORNEY ONLY
Dec 13, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2021 · Amount on File
Deed Sale	Sep 16, 2021 · Amount on File
Prior Sale	Oct 30, 2020 · Amount on File
Deed Document Number	2021241757
Deed Book / Page	11894 / 2037
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 16, 2021
Property Address	340 2ND ST SE, WINTER HAVEN, FL 33880-3507
Document Number	0000241757
Book / Page	11894 / 2037
Map Reference	MB 12 PG 16
Instrument Date	Sep 9, 2021
Instrument	2021241757
Transaction Type	Transfer
Record Updated	Oct 1, 2021
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	123 1ST ELOISE ST, 123, WINTER HAVEN, FL 33880-5502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1633, WINTER HAVEN, FL 33882-1633

Mortgage

Document Number	0118942044
Date	Sep 16, 2021
Instrument	11894/2044

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Oct 30, 2020
Property Address	340 2ND ST SE, WINTER HAVEN, FL 33880-3507
Document Number	0114361454
Book / Page	011436 / 001454
Instrument Date	Oct 23, 2020
Instrument	231680
Transaction Type	Transfer
Record Updated	Nov 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$875.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	123 1ST ST N WINTER HAVEN FL 338814535, WINTER HAVEN, FL 33881-4535

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Dec 13, 2019
Property Address	340 2ND ST SE, WINTER HAVEN, FL 33880-3507
Document Number	0110731509
Book / Page	011073 / 001509
Instrument Date	Nov 20, 2019
Instrument	264617
Transaction Type	Transfer
Record Updated	Jan 2, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	101 N TRYON ST #1450 CHARLOTTE NC 282460103, 1450, CHARLOTTE, NC 28246-0103
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 340 2nd St SE was $2,158 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		$160,126 (+1.96%) Land $39,373 Building $120,753	$160,126 (+1.96%) Land $39,373 Building $120,753
2025	$2,158.00 Homeowner's exemption	$157,048 Land $39,373 Building $117,675	$157,048 Land $39,373 Building $117,675
2023	$2,877.00 (+10.53%)	$154,869 (+15.63%) Land $33,278 Building $121,591	$154,869 (+15.63%) Land $33,278 Building $121,591
2022	$2,603.00	$133,935 Land $27,782 Building $106,153	$133,935 Land $27,782 Building $106,153

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

Flood

FEMA maps place 340 2nd St SE in Zone X, an area of minimal flood risk.

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

Wildfire risk around 340 2nd St SE is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% 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 373 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
Verizon Fixed Wireless	300 / 20

May also be available: Alternative Choice Wireless, Frontier.

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