Polk County property record for 405 Flagler Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,354 sqft · built 1978 |
| Lot Size | 0.343 acres (14,928 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $240,000 (Oct 2016) |
| Tax Bill | $4,414 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Jul 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-27-000000-042860 |
| Primary APN | 26-28-27-000000-042860 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,354 sqft Living Area |
| Gross Area | 2,860 sqft |
| 1st Floor Area | 1,534 sqft |
| Upper Floors Area | 820 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 14,928 sqft (0.343 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 450 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 204 sqft |
| Cooling System | Central |
|---|
| Street Address | 405 FLAGLER RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-1025 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | BEG 510 FT N & 185 FT W OF S1/4 COR OF SEC RUN E 52.91 FT TO PT ON CURVE NELY ALONG CURVE A CHORD DISTANCE OF 47.20 FT N 146.47 FT W 100 FT S 150 FT TO POB BEING LOT 455 OF UNREC VALENCIAWOOD HILLS |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 27 |
| Legal Subdivision | LAKE LINK ESTATES |
| Legal Tract | 000000 |
| Legal Block | 1 |
| Legal Lot Number | 455 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 13902 |
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 | 238 FRENCHMANS CREEK WAY, WINTER HAVEN, FL 33884-1809 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 9, 2021 | Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC |
| Jul 23, 2018 | Loan Modification, Mortgage ATLANTIC BAY MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 4, 2016 · Amount on Record |
| Deed Sale | Oct 4, 2016 · Amount on Record |
| Prior Sale | May 16, 1994 · Amount on Record |
| Deed Document Number | 2016181015 |
| Deed Book / Page | 9950 / 935 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 405 FLAGLER RD, WINTER HAVEN, FL 33884-1025 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2021 |
| Title Company | REAL ESTATE AND TITLE SERVICES, REAL ESTATE TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 405 FLAGLER RD, WINTER HAVEN, FL 33884-1025 |
| Document Number | 0000177493 |
|---|---|
| Date | Jul 9, 2021 |
| Book Page | 11794/1021 |
| Instrument | 2021177493 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 405 FLAGLER RD, WINTER HAVEN, FL 33884-1025 |
| Document Number | 0105851079 |
| Instrument Date | Jul 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 5, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 405 FLAGLER RD WINTER HAVEN FL 338841025, WINTER HAVEN, FL 33884-1025 |
| Document Number | 0105851079 |
|---|---|
| Date | Aug 20, 2018 |
| Book Page | 010585/001079 |
| Instrument | 176626 |
| Name | ATLANTIC BAY MTG |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 19, 2048 |
| Rate | 4.5% |
|---|
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $354,274 (+1%) | $362,578 (+3.68%) Land $64,190 Building $298,388 | |
| 2025 | $4,414.00 (-1.3%) | $322,067 (-5.7%) | $349,694 (+2.39%) Land $64,190 Building $285,504 |
| 2023 | $4,472.00 (+16.37%) | $341,530 (+32.59%) Land $62,698 Building $278,832 | $341,530 (+32.59%) Land $62,698 Building $278,832 |
| 2022 | $3,843.00 | $257,586 Land $35,000 Building $222,586 | $257,586 Land $35,000 Building $222,586 |
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 3 (2004–2022) |
| Claims Outside the SFHA | 3 of 3 |
| 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 192 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 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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