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348 Cloverdale Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 348 Cloverdale Rd, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,092 sqft · built 2006
Lot Size0.185 acres (8,050 sqft)
Owner2 Individual Names on Record
Last Sale$224,000 (Apr 2021)
Tax Bill$3,923 (2025)
Deeds & MortgagesSep 2026 Mortgage
Apr 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN26-29-13-687551-001190

Property Details

APN / Parcel Number

Primary APN26-29-13-687551-001190
Alternative APNs
  • 132926687551001190
  • 32926000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,092 sqft Living Area
Gross Area2,451 sqft
1st Floor Area2,092 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area8,050 sqft (0.185 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area359 sqft
PorchUnfinished Open Porch
Porch Area46 sqft

Location & Zoning

Street Address348 CLOVERDALE RD
CityWINTER HAVEN
StateFL
Zip33884-4214
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSAVANNA POINTE PLAT BOOK 129 PGS 49 THRU 52 LOT 119
Legal Range26E
Legal Township29S
Legal Section13
Legal SubdivisionSAVANNA POINTE
Legal Tract687551
Legal Block2
Legal Lot Number119
JurisdictionPOLK FL
Township / Civil DivisionLAKE WALES
Census Block Group2
Census Block2016
Census Tract14401

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 Record2 Individual Names on Record
Mailing Address348 CLOVERDALE RD, WINTER HAVEN, FL 33884-4214
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 15, 2026Deed of Trust, Mortgage · FHA Mortgage
SERVICELINK
Apr 1, 2021Warranty Deed, Transfer · FHA Mortgage
CALIBER HOME LOANS INC
Jun 7, 2017Quit Claim Deed, Transfer
JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 1, 2021 · Amount on Record
Deed SaleApr 1, 2021 · Amount on Record
Prior SaleJun 1, 2017 · Amount on Record
Deed Document Number202181967
Deed Book / Page11647 / 255
Record UpdatedOct 29, 2026

September 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Recording DateSep 15, 2026
Property Address348 CLOVERDALE RD, WINTER HAVEN, FL 33884-4214
Document Number0000223415
Book / Page14154 / 898
Instrument DateAug 25, 2026
Instrument2026223415
Transaction TypeMortgage
Record UpdatedSep 25, 2026
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address348 CLOVERDALE RD, WINTER HAVEN, FL 33884-4214

Mortgage

Document Number0000223415,
DateSep 15, 2026
Book Page14154/898
Instrument2026223415
Lender
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term295 Months
DueApr 1, 2051
Interest
Max Rate-1%

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateApr 1, 2021
Property Address348 CLOVERDALE RD, WINTER HAVEN, FL 33884-4214
Document Number0000081967
Book / Page11647 / 255
Map ReferenceMB 129 PG 49-52
Instrument DateMar 19, 2021
Instrument2021081967
Transaction TypeTransfer
Record UpdatedDec 23, 2021
Title CompanyBROKERS TITLE/LONGWOOD I LLC, BROKERS TTL OF LONGWOOD I LL

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,568.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address49 NORTH ST, 49, HAMDEN, CT 06514-4920

Transferred To (Grantee/Buyer)

NameVerified Name
Address348 CLOVERDALE RD, WINTER HAVEN, FL 33884-4214

Mortgage

Document Number0011647257
DateApr 1, 2021
Instrument11647/257
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 1, 2051

June 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPOLK FL
Recording DateJun 7, 2017
Property Address348 CLOVERDALE RD, WINTER HAVEN, FL 33884-4214
Document Number0101691353
Book / Page010169 / 001353
Instrument DateJun 2, 2017
Instrument108745
Transaction TypeTransfer
Record UpdatedJun 23, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$457.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address49 NORTH ST HAMDEN CT 065144920, HAMDEN, CT 06514-4920

Mortgage

Document Number101691355
DateJun 7, 2017
Book Page010169/001355
Instrument108746
Lender
NameJP MORGAN CHASE BK
TypeBank
AddressCOLUMBUS, OH 43240-2050
Agreement
AmountAmount Recorded
Term360 Months
DueJun 6, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$248,448 (-1.9%) Land $35,000 Building $213,448$248,448 (-1.9%) Land $35,000 Building $213,448
2025$3,923.00 (-17.06%) Homeowner's exemption$253,271 (+1.12%) Land $35,000 Building $218,271$253,271 (+1.12%) Land $35,000 Building $218,271
2023$4,730.00 (+7.45%)$250,478 (+8.26%) Land $34,000 Building $216,478$250,478 (+8.26%) Land $34,000 Building $216,478
2022$4,402.00$231,363 Land $28,000 Building $203,363$231,363 Land $28,000 Building $203,363

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 29 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies29 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 RiskLow
lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood0.04% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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 225 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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