Polk County property record for 401 Cedro Ct, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,508 sqft · built 2022 |
| Lot Size | 0.369 acres (16,065 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $295,000 (Apr 2022) |
| Tax Bill | $1,974 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Jun 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-18-689950-000460 |
| Primary APN | 26-29-18-689950-000460 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,508 sqft Living Area |
| Gross Area | 1,748 sqft |
| 1st Floor Area | 1,508 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 16,065 sqft (0.369 acres) |
| Lot Dimensions | 179 ft deep x 90 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Porch | Unfinished Open Porch |
| Street Address | 401 CEDRO CT |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-5685 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MADERA PARK SUBDIVISION PB 89 PGS 50 & 51 LYING IN A PORTION OF SECS 18 & 19 T29 R26 LOT 46 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 18 |
| Legal Subdivision | MADERA PARK SUBDIVISION |
| Legal Tract | 689950 |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 14501 |
Source: Polk County records · APN 26-29-18-689950-000460
Assessment roll updated June 23, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 401 CEDRO CT, WINTER HAVEN, FL 33880-5685 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 08, 2022 | Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK |
| Jun 25, 2021 | Warranty Deed, Transfer ADVANCE TITLE, ADVANTAGE TITLE SERVICES INC |
| Oct 14, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 08, 2022 · Amount on Record |
| Deed Sale | Apr 08, 2022 · Amount on Record |
| Prior Sale | Jun 25, 2021 · Amount on Record |
| Deed Document Number | 202295935 |
| Deed Book / Page | 12200 / 2193 |
| Prior Transfer Date | Oct 05, 2019 |
| Prior Transfer Doc | 0110050232 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 08, 2022 |
| Property Address | 401 CEDRO CT, WINTER HAVEN, FL 33880-5685 |
| Document Number | 0000095935 |
| Book / Page | 12200 / 2193 |
| Map Reference | MB 89 PG 50&51 |
| Instrument Date | Mar 31, 2022 |
| Instrument | 2022095935 |
| Transaction Type | Transfer |
| Record Updated | Feb 05, 2024 |
| Title Company | ADVANCE TITLE, ADVANTAGE TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,065.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 100 S KENTUCKY AVE STE 215, 215, LAKELAND, FL 33801-5089 |
| Name | Verified Name |
|---|---|
| Address | 401 CEDRO CT, WINTER HAVEN, FL 33880-5685 |
| Investor | Possibly a Property Investor |
| Document Number | 0122002195 |
|---|---|
| Date | Apr 08, 2022 |
| Instrument | 12200/2195 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 25, 2021 |
| Property Address | 401 CEDRO CT, WINTER HAVEN, FL 33880-5685 |
| Document Number | 0000166026 |
| Book / Page | 11777 / 2194 |
| Map Reference | MB 89 PG 50&51 |
| Instrument Date | Jun 18, 2021 |
| Instrument | 2021166026 |
| Transaction Type | Transfer |
| Record Updated | Feb 05, 2024 |
| Title Company | ADVANCE TITLE, ADVANTAGE TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $112.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2210 BARBER DR, BARTOW, FL 33830-8444 |
| Name | Verified Name |
|---|---|
| Address | 122 E MAIN ST # 194, 194, LAKELAND, FL 33801-4655 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 14, 2019 |
| Property Address | 401 CEDRO CT, WINTER HAVEN, FL 33880-5685 |
| Document Number | 0110050232 |
| Book / Page | 011005 / 000232 |
| Instrument Date | Oct 05, 2019 |
| Instrument | 217102 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2210 BARBER DR BARTOW FL 338308444, BARTOW, FL 33830-8444 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,974.00 (-26.56%) Homeowner's exemption Disabled Person's exemption | $197,941 (-1.46%) Land $15,000 Building $182,941 | $197,941 (-1.46%) Land $15,000 Building $182,941 |
| 2024 | $2,688.00 (-13.54%) | ||
| 2023 | $3,109.00 (+793.39%) | $200,874 (+1,573.95%) Land $14,500 Building $186,374 | $200,874 (+1,573.95%) Land $14,500 Building $186,374 |
| 2022 | $348.00 | $12,000 Land $12,000 | $12,000 Land $12,000 |
Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050145011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 3 (2004–2022) |
| Most Recent Claim | Sep 2022 · rainfall accumulation |
| Claims by Event |
|
| Wildfire Risk | High above 78% of the US · above 66% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 103 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Hotwire Communications.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | CITY OF EAGLE LAKE serves 2,600 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | 3 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 5 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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