3437 Ave E NW, Winter Haven, FL 33880 Property Records

Polk County property record for 3437 Ave E NW, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,526 sqft · built 1930
Lot Size	0.474 acres (20,661 sqft)
Owner	2 Individual Names on Record
Last Sale	$135,000 (Jul 2020)
Tax Bill	$2,734 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-28-24-351500-001360`

Property Details

APN / Parcel Number

Primary APN	`25-28-24-351500-001360`
Alternative APNs	`242825351500001360` `42825000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,526 sqft Living Area
Gross Area	1,676 sqft
1st Floor Area	1,126 sqft
Flooring	Concrete/Cement
Interior Walls	Wood

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1970
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	20,661 sqft (0.474 acres)
Lot Dimensions	282 ft deep x 146 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	550 sqft
Porch	Unfinished Open Porch
Porch Area	54 sqft
Shed	1 Shed

Location & Zoning

Street Address	3437 AVENUE E NW
City	WINTER HAVEN
State	FL
Zip	33880-1816
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	XX
Legal Description	DEER LAKE TERRACE UNIT 2 PB 14 PGS 5 & 5A W 12.96 FT OF S 9.81 FT OF LOT 130 & W 12.96 FT OF LOTS 131 THRU 135 & ALL OF LOTS 136 THRU 140
Legal Range	25E
Legal Township	28S
Legal Section	24
Legal Subdivision	DEER LAKE TERRACE SUBDIVISION UNIT 2
Legal Tract	351500
Legal Block	3
Legal Lot Number	130
Legal Unit	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	3
Census Block	3010
Census Tract	13801

Owner

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	2 Individual Names on Record
Mailing Address	3437 AVENUE E NW, WINTER HAVEN, FL 33880-1816
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2020	Warranty Deed, Transfer · Conventional with PMI MIDFLORIDA CU ISAOA
May 22, 2020	Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2020 · Amount on Record
Deed Sale	Jul 3, 2020 · Amount on Record
Prior Sale	May 22, 2020 · Amount on Record
Deed Document Number	2020133219
Deed Book / Page	11286 / 1561
Prior Transfer Date	Feb 16, 2016
Prior Transfer Doc	0097532066
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 3, 2020
Property Address	3437 AVENUE E NW, WINTER HAVEN, FL 33880-1816
Document Number	0112861561
Book / Page	011286 / 001561
Instrument Date	Jun 29, 2020
Instrument	133219
Transaction Type	Transfer
Record Updated	Jul 23, 2020
Title Company	REAL ESTATE TITLE SERVICES LLC, REAL ESTATE TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$945.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3437 AVENUE E NW WINTER HAVEN FL 338801816, WINTER HAVEN, FL 33880-1816

Mortgage

Document Number	112861562
Date	Jul 3, 2020
Book Page	011286/001562
Instrument	133220

Lender

Name	MIDFLORIDA CU ISAOA
Type	Credit Union
Address	LAKELAND, FL 33802-8002

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2050

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 22, 2020
Property Address	3437 AVENUE E NW, WINTER HAVEN, FL 33880-1816
Document Number	0112421990
Book / Page	011242 / 001990
Instrument Date	May 20, 2020
Instrument	103354
Transaction Type	Transfer
Record Updated	Jun 10, 2020
Title Company	REAL ESTATE TITLE, REAL ESTATE TITLE SVCS CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$818.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1076 EAGLE LAKE FL 338391076, EAGLE LAKE, FL 33839-1076

Mortgage

Document Number	112421991
Date	May 22, 2020
Book Page	011242/001991
Instrument	103355

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802-8008

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 21, 2050

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$258,483 (+2.7%)	$258,514 (+0.27%) Land $29,227 Building $229,287
2025	$2,734.00 (-17.97%) Homeowner's exemption	$251,687 (+5.99%)	$257,813 (+1.97%) Land $29,227 Building $228,586
2024	$3,333.00 (+6.52%)
2023	$3,129.00 (-2.04%) Homeowner's exemption	$237,470 (+2.52%)	$252,842 (+9.16%) Land $28,194 Building $224,648
2022	$3,194.00	$231,626 Land $21,462 Building $210,164	$231,626 Land $21,462 Building $210,164

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1997–2004)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2004 · Tropical Storm Bonnie And Hurricane Charley

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 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% 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	CENTRAL serves 13,595 people · EPA ID FL6534609
Water Source	Groundwater
Last State Inspection	Apr 2023
Also Mapped Here	WINTER HAVEN WATER DEPARTMENT
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 336 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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