Polk County property record for 384 Holly Rdg Rd, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,074 sqft · built 1984 |
| Lot Size | 0.227 acres (9,901 sqft) |
| Owner | Company Name on Record |
| Last Sale | $228,000 (Jul 2026) |
| Tax Bill | $675 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Construction Loan Jul 2026 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-28-35-354960-016140 |
| Primary APN | 25-28-35-354960-016140 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,074 sqft Living Area |
| Gross Area | 2,534 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 | 9,901 sqft (0.227 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Porch | Florida Room |
| Porch Area | 666 sqft |
| Cooling System | Central |
|---|
| Street Address | 384 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 16 LOT 14 |
| Legal Range | 25E |
| Legal Township | 28S |
| Legal Section | 35 |
| Legal Subdivision | LAKE THOMAS ESTATES UNIT 6 |
| Legal Tract | 354960 |
| Legal Block | 16 |
| Legal Lot Number | 14 |
| Legal Unit | 6 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1017 |
| 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 | Company Name on Record |
|---|---|
| Mailing Address | 749 PELICAN CT, KISSIMMEE, FL 34759-4540 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Jul 31, 2026 | Special Warranty Deed, Transfer · Construction Mortgage LONDON FINANCIAL |
| Jul 29, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Oct 20, 2025 | Intrafamily Transfer, Transfer · FHA Mortgage AMERISAVE MORTGAGE CORP |
| Sep 1, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 2026 · Amount on Record |
| Deed Sale | Jul 31, 2026 · Amount on Record |
| Prior Sale | Jul 29, 2026 · Amount on Record |
| Deed Document Number | 2026183695 |
| Deed Book / Page | 14097 / 740 |
| Prior Transfer Date | Oct 8, 2025 |
| Prior Transfer Doc | 0000246003 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 31, 2026 |
| Property Address | 384 HOLLY RIDGE RD, WINTER HAVEN, FL 33880-1113 |
| Document Number | 0000183695 |
| Book / Page | 14097 / 740 |
| Instrument Date | Jul 21, 2026 |
| Instrument | 2026183695 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2026 |
| Title Company | K K TITLE AND ESCROW, PROPY TITLE & ESCROW AGENCY IN |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $161,196.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 749 PELICAN CT, KISSIMMEE, FL 34759-4540 |
| Document Number | 0000183697, |
|---|---|
| Date | Jul 31, 2026 |
| Instrument | 2026183697 |
| Name | LONDON FINANCIAL |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 6 Months |
| Due | Jan 20, 2027 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 29, 2026 |
| Property Address | 384 HOLLY RIDGE RD, WINTER HAVEN, FL 33880-1113 |
| Document Number | 0000180847 |
| Book / Page | 14093 / 415 |
| Instrument Date | Jul 20, 2026 |
| Instrument | 2026180847 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $141,400.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Investor | Possibly a Property Investor |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 20, 2025 |
| Property Address | 384 HOLLY RIDGE RD, WINTER HAVEN, FL 33880-1113 |
| Document Number | 0000246003 |
| Book / Page | 13743 / 585 |
| Map Reference | MB 60 PG 9 |
| Instrument Date | Oct 8, 2025 |
| Instrument | 2025246003 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2025 |
| Title Company | 2020 TITLE LLC, 20 20 TITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 384 HOLLY RIDGE RD, WINTER HAVEN, FL 33880-1113 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 384 HOLLY RIDGE RD, WINTER HAVEN, FL 33880-1113 |
| Document Number | 0013743587 |
|---|---|
| Date | Oct 20, 2025 |
| Instrument | 13743/587 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 1, 2020 |
| Property Address | 384 HOLLY RIDGE RD, WINTER HAVEN, FL 33880-1113 |
| Document Number | 0113572008 |
| Book / Page | 011357 / 002008 |
| Instrument Date | Aug 27, 2020 |
| Instrument | 180051 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 384 HOLLY RIDGE RD WINTER HAVEN FL 338801113, WINTER HAVEN, FL 33880-1113 |
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 | $94,952 (+2.7%) | $217,543 (+3.03%) Land $21,000 Building $196,543 | |
| 2025 | $675.00 (-46.68%) Homeowner's exemption | $92,456 (+2.9%) | $211,154 (+2.71%) Land $21,000 Building $190,154 |
| 2024 | $1,266.00 (+15.3%) Homeowner's exemption | $89,850 (+3%) | $205,582 (+0.35%) Land $21,000 Building $184,582 |
| 2023 | $1,098.00 (+5.27%) Homeowner's exemption | $87,233 (+3%) | $204,867 (+15.91%) Land $20,000 Building $184,867 |
| 2022 | $1,043.00 Homeowner's exemption | $84,692 | $176,752 Land $16,500 Building $160,252 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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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