403 Ave I SE, Winter Haven, FL 33880 Property Records

Polk County property record for 403 Ave I SE, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 781 sqft · built 1952
Lot Size	0.153 acres (6,652 sqft)
Owner	Individual Name on File
Last Sale	$123,500 (May 2019)
Tax Bill	$602 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jun 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-28-614000-004232`

Property Details

APN / Parcel Number

Primary APN	`26-28-28-614000-004232`
Alternative APNs	`282826614000004232` `82826000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	781 sqft Living Area
1st Floor Area	781 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	6,652 sqft (0.153 acres)
Lot Dimensions	100 ft deep x 66 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	252 sqft
Carport	Carport
Carport Area	252 sqft
Porch	Screened/Unfinished Porch
Porch Area	124 sqft
Utility Building	32 sqft

Location & Zoning

Street Address	403 AVENUE I SE
City	WINTER HAVEN
State	FL
Zip	33880-3776
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	PINECREST ADD PB 5 PG 49 BLK D LOTS 23 S1/2 & S1/2 OF 24
Legal Range	26E
Legal Township	28S
Legal Section	28
Legal Subdivision	PINECREST ADDITION
Legal Tract	614000
Legal Block	D
Legal Lot Number	23
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2034
Census Tract	13901

Owner

403 Ave I SE is owned and occupied by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	403 AVENUE I SE, WINTER HAVEN, FL 33880-3776
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

Date	Document
Oct 7, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 14, 2019	Correction Deed, Transfer PARAMOUNT TITLE
May 16, 2019	Warranty Deed, Transfer · FHA Mortgage SUCCESS MTG PTRS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2019 · Amount on File
Deed Sale	May 16, 2019 · Amount on File
Prior Sale	Oct 15, 2010 · Amount on File
Deed Document Number	2019100607
Deed Book / Page	10843 / 907
Prior Transfer Date	Sep 24, 2010
Prior Transfer Doc	0082400116
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	403 AVENUE I SE, WINTER HAVEN, FL 33880-3776
Transaction Type	Mortgage
Record Updated	Oct 21, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 AVENUE I SE, WAHNETA, FL 33880-3776

Mortgage

Document Number	0000263409
Date	Oct 7, 2021
Book Page	11930/1164
Instrument	2021263409

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	333 Months
Due	Jul 1, 2049

June 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	POLK FL
Recording Date	Jun 14, 2019
Property Address	403 AVENUE I SE, WINTER HAVEN, FL 33880-3776
Document Number	0108751872
Book / Page	010875 / 001872
Instrument Date	Jun 5, 2019
Instrument	124106
Transaction Type	Transfer
Record Updated	Jun 26, 2019
Title Company	PARAMOUNT TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 AVENUE I SE WINTER HAVEN FL 338803776, WINTER HAVEN, FL 33880-3776

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 16, 2019
Property Address	403 AVENUE I SE, WINTER HAVEN, FL 33880-3776
Document Number	0108430907
Book / Page	010843 / 000907
Instrument Date	May 7, 2019
Instrument	100607
Transaction Type	Transfer
Record Updated	May 30, 2019
Title Company	PARAMOUNT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$864.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 AVENUE I SE WINTER HAVEN FL 338803776, WINTER HAVEN, FL 33880-3776

Mortgage

Document Number	108430909
Date	May 16, 2019
Book Page	010843/000909
Instrument	100608

Lender

Name	SUCCESS MTG PTRS
Type	Mortgage Company
Address	PLYMOUTH, MI 48170

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 15, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 403 Ave I SE was $602 with a homeowner's exemption.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$76,019 (+2.7%)	$105,797 (-1.34%) Land $23,278 Building $82,519
2025	$602.00 Homeowner's exemption	$74,020	$107,232 Land $23,278 Building $83,954
2023	$588.00 (+0.68%) Homeowner's exemption	$69,839 (+3%)	$107,147 (+19.07%) Land $19,953 Building $87,194
2022	$584.00 Homeowner's exemption	$67,805	$89,983 Land $16,627 Building $73,356

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

Flood

FEMA maps place 403 Ave I SE in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 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 403 Ave I SE is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% 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	WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992
Water Source	Groundwater
Last State Inspection	Dec 2021
Lead	7 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Sep 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	16 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 373 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Alternative Choice Wireless, Frontier.

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