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403 Thomas Ave, Winter Haven, FL 33880 Property Records

Polk County property record for 403 Thomas Ave, Winter Haven, FL 33880 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,494 sqft · built 1969
Lot Size0.156 acres (6,813 sqft)
OwnerIndividual Name on File
Last Sale$40,000 (May 1996)
Tax Bill$255 (2025)
Deeds & MortgagesMar 2022 Mortgage
May 2017 Loan Modification
+ 1 more
Flood ZoneZone X (minimal risk)
APN25-28-25-354100-011180

Property Details

APN / Parcel Number

Primary APN25-28-25-354100-011180
Alternative APN
  • 52825000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,494 sqft Living Area
1st Floor Area1,167 sqft 1st Floor
Stories1 Story
FlooringConcrete/Cement
Interior WallsWood

Exterior

Year BuiltBuilt 1969
Effective Year BuiltEffective 1969
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeGable
Roof MaterialOther
Lot Area6,813 sqft (0.156 acres)
Lot Dimensions100 ft deep x 83 ft wide
PorchFlorida Room
Porch Area375 sqft Porch
View / LotCommercial/Industrial

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address403 THOMAS AVE
CityWINTER HAVEN
StateFL
Zip33880-1457
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionJAN PHYL VILLAGE UNIT 10 PB 45 PG 38 BLK K LOT 18
Legal Range25E
Legal Township28S
Legal Section25
Legal SubdivisionJAN PHYL VILLAGE UNIT 10
Legal Tract354100
Legal BlockK
Legal Lot Number18
Legal Unit10
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group1
Census Block1007
Census Tract13802

Owner

Source: Polk County records · APN 25-28-25-354100-011180

Assessment roll updated July 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address403 THOMAS AVE, WINTER HAVEN, FL 33880-1457
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 09, 2022Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
May 12, 2017Loan Modification, Mortgage · Conventional Mortgage
PENNYMAC
May 12, 2017Deed of Trust, Mortgage · Conventional Mortgage
HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 14, 1996 · Amount on Record
Deed SaleMay 14, 1996 · Amount on Record
Deed Book / Page3678 / 388
Record UpdatedSep 20, 2026

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address403 THOMAS AVE, WINTER HAVEN, FL 33880-1457
Transaction TypeMortgage
Record UpdatedMar 21, 2022
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address403 THOMAS AVE, WINTER HAVEN, FL 33880-1457

Mortgage

Document Number0000063757
DateMar 09, 2022
Book Page12153/53
Instrument2022063757
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term302 Months
DueMay 01, 2047

May 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPOLK FL
Property Address403 THOMAS AVE, WINTER HAVEN, FL 33880-1457
Document Number0101921386
Book / Page010192 / 001386
Instrument DateMay 12, 2017
Transaction TypeMortgage
Record UpdatedJul 20, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
Address403 THOMAS AVE WINTER HAVEN FL 338801457, WINTER HAVEN, FL 33880-1457

Mortgage

Document Number0101921386
DateJun 30, 2017
Book Page010192/001386
Instrument125717
Lender
NamePENNYMAC
AddressMOORPARK, CA 93021
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 29, 2047

May 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address403 THOMAS AVE, WINTER HAVEN, FL 33880-1457
Document Number0101841027
Book / Page010184 / 001027
Instrument DateMay 12, 2017
Transaction TypeMortgage
Record UpdatedJul 10, 2017
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address403 THOMAS AVE WINTER HAVEN FL 338801457, WINTER HAVEN, FL 33880-1457

Mortgage

Document Number0101841027
DateJun 22, 2017
Book Page010184/001027
Instrument119701
Lender
NameHUD-HOUSING/URBAN DEV
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 21, 2047

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$255.00 (-65.21%) Homeowner's exemption$44,764 (+5.99%)$180,762 (+0.57%) Land $14,500 Building $166,262
2023$733.00 (+8.11%) Homeowner's exemption$42,235 (+3%)$179,746 (+12.72%) Land $14,000 Building $165,746
2022$678.00 Homeowner's exemption$41,005$159,458 Land $11,500 Building $147,958

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone A, within 500 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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