Polk County property record for 405 8th St NE, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 876 sqft · built 1926 |
| Lot Size | 0.182 acres (7,906 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $100,000 (Jun 2020) |
| Tax Bill | $1,999 (2025) |
| Deeds & Mortgages | Jun 2026 Sale Feb 2024 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-21-577500-005140 |
| Primary APN | 26-28-21-577500-005140 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 876 sqft Living Area |
| 1st Floor Area | 876 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 7,906 sqft (0.182 acres) |
| Lot Dimensions | 155 ft deep x 51 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Carport |
| Garage Area | 126 sqft |
| Carport | Carport |
| Carport Area | 126 sqft |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 316 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 405 8TH ST NE |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33881-4211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1C |
| Legal Description | RESUB OF BLKS 4 5 6 OF ELBERT PARK PB 5 PG 48 IN S28 T28 R26 BLK 5 LOT 14 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 21 |
| Legal Subdivision | ELBERT PARK RESUBDIVISION BLKS 4 5 AND 6 |
| Legal Tract | 577500 |
| Legal Block | 4,5 |
| Legal Lot Number | 14 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 13702 |
Source: Polk County records, 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 Record |
|---|---|
| Mailing Address | 405 8TH ST NE, WINTER HAVEN, FL 33881-4211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Jun 10, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Feb 21, 2024 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Jun 1, 2020 | Warranty Deed, Transfer · Conventional with PMI CROSSCOUNTRY MTG |
| Jun 26, 2018 | Warranty Deed, Transfer REAL ESTATE TITLE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 2020 · Amount on Record |
| Deed Sale | Jun 1, 2020 · Amount on Record |
| Prior Sale | Jun 26, 2018 · Amount on Record |
| Deed Document Number | 2020107894 |
| Deed Book / Page | 11249 / 759 |
| Last Transfer Date | Jun 5, 2026 |
| Transfer Doc | 0000138246 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 10, 2026 |
| Property Address | 405 8TH ST NE, WINTER HAVEN, FL 33881-4211 |
| Document Number | 0000138246 |
| Book / Page | 14032 / 521 |
| Instrument Date | Jun 5, 2026 |
| Instrument | 2026138246 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 8TH ST NE, WINTER HAVEN, FL 33881-4211 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 405 8TH ST NE, WINTER HAVEN, FL 33881-4211 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 405 8TH ST NE, WINTER HAVEN, FL 33881-4211 |
| Document Number | 0000040746 |
|---|---|
| Date | Feb 21, 2024 |
| Book Page | 13013/1674 |
| Instrument | 2024040746 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Mar 1, 2064 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 1, 2020 |
| Property Address | 405 8TH ST NE, WINTER HAVEN, FL 33881-4211 |
| Document Number | 0112490759 |
| Book / Page | 011249 / 000759 |
| Instrument Date | May 22, 2020 |
| Instrument | 107894 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2020 |
| Title Company | INTEGRITY FIRST TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 8TH ST NE WINTER HAVEN FL 338814211, WINTER HAVEN, FL 33881-4211 |
| Document Number | 112490761 |
|---|---|
| Date | Jun 1, 2020 |
| Book Page | 011249/000761 |
| Instrument | 107895 |
| Name | CROSSCOUNTRY MTG |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 31, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 26, 2018 |
| Property Address | 405 8TH ST NE, WINTER HAVEN, FL 33881-4211 |
| Document Number | 0105300536 |
| Book / Page | 010530 / 000536 |
| Instrument Date | Jun 21, 2018 |
| Instrument | 136788 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2018 |
| Title Company | REAL ESTATE TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $504.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 8TH ST NE WINTER HAVEN FL 338814211, WINTER HAVEN, FL 33881-4211 |
Source: Polk County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,999.00 (-1.77%) Homeowner's exemption | $148,660 (-0.03%) Land $27,671 Building $120,989 | $148,660 (-0.03%) Land $27,671 Building $120,989 |
| 2023 | $2,035.00 (-6.48%) Homeowner's exemption | $148,708 (+21.53%) Land $23,718 Building $124,990 | $148,708 (+21.53%) Land $23,718 Building $124,990 |
| 2022 | $2,176.00 | $122,365 Land $19,765 Building $102,600 | $122,365 Land $19,765 Building $102,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 4 (2004–2022) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 240 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 |
| Verizon Fixed Wireless | 300 / 20 |
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