403 Vaniman Ave, Winter Haven, FL 33880 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,508 sqft · built 1974
Lot Size	0.225 acres (9,810 sqft)
Owner	2 Individual Names on File
Last Sale	$255,000 (Feb 2022)
Tax Bill	$3,027 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-28-25-354540-018120`

Property Details

APN / Parcel Number

Primary APN	`25-28-25-354540-018120`
Alternative APN	`52825000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,508 sqft Living Area
1st Floor Area	1,028 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2015
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	9,810 sqft (0.225 acres)
Lot Dimensions	100 ft deep x 81 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	209 sqft
Carport	Carport
Carport Area	209 sqft
Pool Area	450 sqft
Porch	Florida Room
Porch Area	753 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	403 VANIMAN AVE
City	WINTER HAVEN
State	FL
Zip	33880-1361
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	JAN PHYL VILLAGE UNIT #16 PB 61 PG 17 BLOCK R LOT 12
Legal Range	25E
Legal Township	28S
Legal Section	25
Legal Subdivision	JAN PHYL VILLAGE UNIT 16
Legal Tract	354540
Legal Block	R
Legal Lot Number	12
Legal Unit	16
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1004
Census Tract	13802

Owner

Source: Polk County assessment roll, as of June 23, 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	403 VANIMAN AVE, WINTER HAVEN, FL 33880-1361
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 3, 2022	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Oct 26, 2018	Warranty Deed, Transfer · FHA Mortgage FEDERAL SVGS BK
Mar 2, 2017	Warranty Deed, Transfer · Conventional with PMI FEDERAL SVGS BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 3, 2022 · Amount on Record
Deed Sale	Feb 3, 2022 · Amount on Record
Prior Sale	Oct 26, 2018 · Amount on Record
Deed Document Number	202230413
Deed Book / Page	12101 / 496
Transfer Doc	4689002202
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	403 VANIMAN AVE, WINTER HAVEN, FL 33880-1361
Transaction Type	Mortgage
Record Updated	Oct 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 VANIMAN AVE, WINTER HAVEN, FL 33880-1361

Mortgage

Document Number	0000221590
Date	Sep 22, 2025
Book Page	13706/1564
Instrument	2025221590

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	317 Months
Due	Feb 1, 2052

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	403 VANIMAN AVE, WINTER HAVEN, FL 33880-1361
Transaction Type	Mortgage
Record Updated	Feb 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 W HARBORD ST, LAKE ALFRED, FL 33850-3338

Mortgage

Document Number	0000030414
Date	Feb 3, 2022
Book Page	12101/498
Instrument	2022030414

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 26, 2018
Property Address	403 VANIMAN AVE, WINTER HAVEN, FL 33880-1361
Document Number	0106531255
Book / Page	010653 / 001255
Instrument Date	Oct 22, 2018
Instrument	226044
Transaction Type	Transfer
Record Updated	Nov 12, 2018
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$896.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 VANIMAN AVE WINTER HAVEN FL 338801361, WINTER HAVEN, FL 33880-1361

Mortgage

Document Number	106531256
Date	Oct 26, 2018
Book Page	010653/001256
Instrument	226045

Lender

Name	FEDERAL SVGS BK
Type	Federal Savings Bank
Address	CHICAGO, IL 60607

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 25, 2048

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 2, 2017
Property Address	403 VANIMAN AVE, WINTER HAVEN, FL 33880-1361
Document Number	0100801187
Book / Page	010080 / 001187
Instrument Date	Feb 28, 2017
Instrument	41386
Transaction Type	Transfer
Record Updated	Jun 16, 2017
Title Company	RP TITLE AND ESCROW LLC, RP TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 VANIMAN AVE WINTER HAVEN FL 338801361, WINTER HAVEN, FL 33880-1361

Mortgage

Document Number	100801189
Date	Mar 2, 2017
Book Page	010080/001189
Instrument	41387

Lender

Name	FEDERAL SVGS BK
Type	Federal Savings Bank
Address	CHICAGO, IL 60607

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 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
2025	$3,027.00 (-14.1%)	$234,199 (+1.82%) Land $14,500 Building $219,699	$234,199 (+1.82%) Land $14,500 Building $219,699
2023	$3,524.00 (+27.77%)	$230,011 (+14.35%) Land $14,000 Building $216,011	$230,011 (+14.35%) Land $14,000 Building $216,011
2022	$2,758.00	$201,145 Land $11,500 Building $189,645	$201,145 Land $11,500 Building $189,645

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
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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 377 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
AT&T Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

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