348 Holly Rdg Rd, Winter Haven, FL 33880 Property Records

Polk County property record for 348 Holly Rdg Rd, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,474 sqft · built 1983
Lot Size	0.246 acres (10,720 sqft)
Owner	2 Individual Names on File
Last Sale	$264,000 (Jul 2023)
Tax Bill	$2,524 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-28-35-354960-013120`

Property Details

APN / Parcel Number

Primary APN	`25-28-35-354960-013120`
Alternative APNs	`352825354960013120` `52825000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,474 sqft Living Area
Gross Area	1,934 sqft
1st Floor Area	1,474 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	10,720 sqft (0.246 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	460 sqft
Porch	Unfinished Open Porch
Porch Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	348 HOLLY RIDGE RD
City	WINTER HAVEN
State	FL
Zip	33880-1113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LAKE THOMAS ESTATES UNIT #6 PB 60 PG 9 BLK 13 LOT 12
Legal Range	25E
Legal Township	28S
Legal Section	35
Legal Subdivision	LAKE THOMAS ESTATES UNIT 6
Legal Tract	354960
Legal Block	13
Legal Lot Number	12
Legal Unit	6
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1017
Census Tract	14703

Owner

348 Holly Rdg Rd is owned and occupied by two individuals who bought it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	348 HOLLY RIDGE RD, WINTER HAVEN, FL 33880-1113
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2023 · Amount on File
Deed Sale	Jul 25, 2023 · Amount on File
Prior Sale	Mar 11, 2005 · Amount on File
Deed Document Number	2023172288
Deed Book / Page	12775 / 670
Prior Transfer Date	Jul 20, 2004
Prior Transfer Doc	0000147803
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 25, 2023
Property Address	348 HOLLY RIDGE RD, WINTER HAVEN, FL 33880-1113
Document Number	0000172288
Book / Page	12775 / 670
Map Reference	MB 60 PG 9
Instrument Date	Jul 18, 2023
Instrument	2023172288
Transaction Type	Transfer
Record Updated	Aug 7, 2023
Title Company	ALL REAL ESTATE TITLE SERVICES INC, REAL ESTATE TITLE SVCS INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,848.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1200 VALENCIA LN, AUBURNDALE, FL 33823-2364

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	348 HOLLY RIDGE RD, WINTER HAVEN, FL 33880-1113

Mortgage

Document Number	0012775671
Date	Jul 25, 2023
Instrument	12775/671

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 348 Holly Rdg Rd was $2,524.

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		$204,627 (+4.79%) Land $21,000 Building $183,627	$204,627 (+4.79%) Land $21,000 Building $183,627
2025	$2,524.00	$195,269 Land $21,000 Building $174,269	$195,269 Land $21,000 Building $174,269
2023	$2,755.00 (+7.66%)	$191,356 (+8.35%) Land $20,000 Building $171,356	$191,356 (+8.35%) Land $20,000 Building $171,356
2022	$2,559.00	$176,610 Land $16,500 Building $160,110	$176,610 Land $16,500 Building $160,110

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

Flood

FEMA maps place 348 Holly Rdg Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Flood Insurance Cost	Premium on File median of 39 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	39 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 348 Holly Rdg Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% 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
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 327 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20