Polk County property record for 351 Holly Rdg Rd, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,424 sqft · built 1984 |
| Lot Size | 0.225 acres (9,814 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $182,000 (Jul 2020) |
| Tax Bill | $2,780 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Jul 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-28-35-354960-015240 |
| Primary APN | 25-28-35-354960-015240 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,424 sqft Living Area |
| Gross Area | 1,884 sqft |
| 1st Floor Area | 1,424 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 9,814 sqft (0.225 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 296 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 351 HOLLY RIDGE RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-1114 |
| 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 15 LOT 24 |
| Legal Range | 25E |
| Legal Township | 28S |
| Legal Section | 35 |
| Legal Subdivision | LAKE THOMAS ESTATES UNIT 6 |
| Legal Tract | 354960 |
| Legal Block | 15 |
| Legal Lot Number | 24 |
| Legal Unit | 6 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 14703 |
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 | 115 SUGAR CREEK RD, WINTER HAVEN, FL 33880-1020 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 6, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jul 9, 2020 | Warranty Deed, Transfer · VA Mortgage FREEDOM MTG |
| May 9, 2017 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE FIRM |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 9, 2020 · Amount on Record |
| Deed Sale | Jul 9, 2020 · Amount on Record |
| Prior Sale | May 9, 2017 · Amount on Record |
| Deed Document Number | 2020137007 |
| Deed Book / Page | 11292 / 2277 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 351 HOLLY RIDGE RD, WINTER HAVEN, FL 33880-1114 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 351 HOLLY RIDGE RD, WINTER HAVEN, FL 33880-1114 |
| Document Number | 0000117762 |
|---|---|
| Date | May 6, 2021 |
| Book Page | 11703/733 |
| Instrument | 2021117762 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 9, 2020 |
| Property Address | 351 HOLLY RIDGE RD, WINTER HAVEN, FL 33880-1114 |
| Document Number | 0112922277 |
| Book / Page | 011292 / 002277 |
| Instrument Date | Jun 29, 2020 |
| Instrument | 137007 |
| Transaction Type | Transfer |
| Record Updated | Jul 31, 2020 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,274.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3935 OLD THORNHILL RD WINTER HAVEN FL 338806904, WINTER HAVEN, FL 33880-6904 |
| Document Number | 112922279 |
|---|---|
| Date | Jul 9, 2020 |
| Book Page | 011292/002279 |
| Instrument | 137008 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 8, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 9, 2017 |
| Property Address | 351 HOLLY RIDGE RD, WINTER HAVEN, FL 33880-1114 |
| Document Number | 0101411819 |
| Book / Page | 010141 / 001819 |
| Instrument Date | May 5, 2017 |
| Instrument | 88441 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2017 |
| Title Company | REAL ESTATE TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $882.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 351 HOLLY RIDGE RD WINTER HAVEN FL 338801114, WINTER HAVEN, FL 33880-1114 |
| Document Number | 101411820 |
|---|---|
| Date | May 9, 2017 |
| Book Page | 010141/001820 |
| Instrument | 88442 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 8, 2047 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $220,696 (+2.88%) Land $21,000 Building $199,696 | $220,696 (+2.28%) Land $21,000 Building $199,696 | |
| 2025 | $2,780.00 (-7.18%) | $214,522 (+1.87%) | $215,778 (+2.47%) Land $21,000 Building $194,778 |
| 2023 | $2,995.00 (+8.83%) | $210,585 (+11.41%) Land $20,000 Building $190,585 | $210,585 (+11.41%) Land $20,000 Building $190,585 |
| 2022 | $2,752.00 | $189,012 Land $16,500 Building $172,512 | $189,012 Land $16,500 Building $172,512 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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.
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 |
| 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.
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 |
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