402 Thomas Ave, Winter Haven, FL 33880 Property Records

Polk County property record for 402 Thomas Ave, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,618 sqft · built 1968
Lot Size	0.169 acres (7,362 sqft)
Owner	2 Individual Names on Record
Last Sale	$272,000 (May 2024)
Tax Bill	$2,718 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-28-25-354100-012150`

Property Details

APN / Parcel Number

Primary APN	`25-28-25-354100-012150`
Alternative APN	`52825000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,618 sqft Living Area
Gross Area	1,402 sqft
1st Floor Area	1,049 sqft
Flooring	Terrazzo
Interior Walls	Wood

Exterior

Year Built	Built 1968
Effective Year Built	Effective 2015
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	7,362 sqft (0.169 acres)
Lot Dimensions	100 ft deep x 74 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	353 sqft
Porch	Florida Room
Porch Area	272 sqft

Location & Zoning

Street Address	402 THOMAS AVE
City	WINTER HAVEN
State	FL
Zip	33880-1456
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	JAN PHYL VILLAGE UNIT 10 PB 45 PG 38 BLK L LOT 15
Legal Range	25E
Legal Township	28S
Legal Section	25
Legal Subdivision	JAN PHYL VILLAGE UNIT 10
Legal Tract	354100
Legal Block	L
Legal Lot Number	15
Legal Unit	10
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1023
Census Tract	13802

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 Record	2 Individual Names on Record
Mailing Address	402 THOMAS AVE, WINTER HAVEN, FL 33880-1456
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2024 · Amount on Record
Deed Sale	May 29, 2024 · Amount on Record
Prior Sale	Jun 9, 2022 · Amount on Record
Deed Document Number	2024123642
Deed Book / Page	13132 / 610
Prior Transfer Date	May 20, 2022
Prior Transfer Doc	0000157611
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 9, 2022
Property Address	402 THOMAS AVE, WINTER HAVEN, FL 33880-1456
Document Number	0000157611
Book / Page	12289 / 1857
Map Reference	MB 45 PG 38
Instrument Date	May 20, 2022
Instrument	2022157611
Transaction Type	Transfer
Record Updated	Jun 23, 2022
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10224 EVENING TRAIL DR, 10224, RIVERVIEW, FL 33569-5747

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7608 CANTERBURY CIR, LAKELAND, FL 33810-3400

Mortgage

Document Number	0122891859
Date	Jun 9, 2022
Instrument	12289/1859

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

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		$189,567 (-9.83%) Land $14,500 Building $175,067	$189,567 (-9.83%) Land $14,500 Building $175,067
2025	$2,718.00 (-0.22%)	$210,237 (+24.41%) Land $14,500 Building $195,737	$210,237 (+24.41%) Land $14,500 Building $195,737
2023	$2,724.00 (+30.84%)	$168,983 (+13.23%) Land $14,000 Building $154,983	$168,983 (+13.23%) Land $14,000 Building $154,983
2022	$2,082.00	$149,239 Land $11,500 Building $137,739	$149,239 Land $11,500 Building $137,739

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2008 · Tropical Storm Fay

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 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 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20