3438 Ave E NW, Winter Haven, FL 33880 Property Records

Polk County property record for 3438 Ave E NW, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,000 sqft · built 2025
Lot Size	0.215 acres (9,370 sqft)
Owner	2 Individual Names on Record
Last Sale	$234,900 (Aug 2025)
Tax Bill	$212 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Jan 2024 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-28-24-351500-001690`

Property Details

APN / Parcel Number

Primary APN	`25-28-24-351500-001690`
Alternative APNs	`242825351500001690` `42825000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,000 sqft Living Area
1st Floor Area	1,000 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	9,370 sqft (0.215 acres)
Lot Dimensions	150 ft deep x 125 ft wide
View / Lot	Commercial/Industrial
Garage Area	444 sqft
Porch	Slab
Porch Area	169 sqft

Location & Zoning

Street Address	3438 AVENUE E NW
City	WINTER HAVEN
State	FL
Zip	33880-1815
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DEER LAKE TERRACE SUB UNIT 2 PB 14 PG 5 & 5A LOTS 169 & 170 & W1/2 OF LOT 171
Legal Subdivision	DEER LAKE TERRACE SUBDIVISION UNIT 2
Legal Tract	351500
Legal Block	3
Legal Lot Number	169-1
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	3
Census Block	3016
Census Tract	13801

Owner

Source: Polk County records, as of July 23, 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	3438 AVENUE E NW, WINTER HAVEN, FL 33880-1815
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2025	Warranty Deed, Subdivision Related Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC
Jan 18, 2024	Warranty Deed, Transfer HOME SOLUTION TITLE INC, HOME SOLUTION TITLE
Jan 18, 2024	Correction Deed HOME SOLUTION TITLE INC, HOME SOLUTION TITLE
Jan 16, 2018	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2025 · Amount on Record
Deed Sale	Aug 28, 2025 · Amount on Record
Prior Sale	Jan 18, 2024 · Amount on Record
Deed Document Number	2025203105
Deed Book / Page	13680 / 933
Prior Transfer Date	Dec 21, 2023
Prior Transfer Doc	0000013507
Record Updated	Sep 20, 2026

August 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 28, 2025
Property Address	3438 AVENUE E NW, WINTER HAVEN, FL 33880-1815
Document Number	0000203105
Book / Page	13680 / 933
Map Reference	MB 14 PG 5&5A
Instrument Date	Aug 12, 2025
Instrument	2025203105
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 13, 2026
Title Company	SUNBELT TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,644.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5267 MEADOW GROVE TRL, LAKELAND, FL 33810-6920

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3438 AVENUE E NW, WINTER HAVEN, FL 33880-1815

Mortgage

Document Number	0013680935
Date	Aug 28, 2025
Instrument	13680/935

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

Mortgage

Document Number	0000203107
Date	Aug 28, 2025
Book Page	13680/953
Instrument	2025203107

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 18, 2024
Property Address	3438 AVENUE E NW, WINTER HAVEN, FL 33880-1815
Document Number	0000013509
Book / Page	12976 / 2160
Map Reference	MB 14 PG 5&5A
Instrument Date	Jan 12, 2024
Instrument	2024013509
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	HOME SOLUTION TITLE INC, HOME SOLUTION TITLE

Transaction

Amount	Amount Recorded
Tax	$315.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3608 AVENUE U NW, WINTER HAVEN, FL 33881-1039

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5267 MEADOW GROVE TRL, LAKELAND, FL 33810-6920

January 2024: Correction Deed

Document Type	Correction Deed
Jurisdiction	POLK FL
Recording Date	Jan 18, 2024
Property Address	3438 AVENUE E NW, WINTER HAVEN, FL 33880-1815
Document Number	0000013507
Book / Page	12976 / 2155
Map Reference	MB 14 PG 5&5A
Instrument Date	Dec 21, 2023
Instrument	2024013507
Record Updated	Jan 13, 2026
Title Company	HOME SOLUTION TITLE INC, HOME SOLUTION TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2222 AVENUE B NW, WINTER HAVEN, FL 33880-2441

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4329 THOMAS WOOD LN E, WINTER HAVEN, FL 33880-1154

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jan 16, 2018
Property Address	3436 AVENUE E NW, WINTER HAVEN, FL 33880-1815
Document Number	0103682241
Book / Page	010368 / 002241
Instrument Date	Jan 14, 2018
Instrument	10978
Transaction Type	Transfer
Record Updated	Jan 30, 2018

Transaction

Amount	Amount Recorded
Tax	$70.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3608 AVENUE U NW WINTER HAVEN FL 338811039, WINTER HAVEN, FL 33881-1039

Tax Assessment & Valuation

Source: Polk County assessment roll, as of July 23, 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
2025	$212.00 (-28.62%)	$16,399 (-37.36%) Land $16,399	$16,399 (-37.36%) Land $16,399
2023	$297.00 (+20.73%)	$26,181 (+39.82%) Land $26,181	$26,181 (+39.82%) Land $26,181
2022	$246.00	$18,725 Land $18,725	$18,725 Land $18,725

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 80% of the US · lower than 93% 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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