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405 Hillcrest Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 405 Hillcrest Dr, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,401 sqft · built 1968
Lot Size0.255 acres (11,112 sqft)
Owner2 Individual Names on Record
Last Sale$273,000 (May 2024)
Tax Bill$2,143 (2025)
Deeds & MortgagesMay 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-34-660000-000641

Property Details

APN / Parcel Number

Primary APN26-28-34-660000-000641
Alternative APNs
  • 342826660000000641
  • 42826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,401 sqft Living Area
Gross Area1,845 sqft
1st Floor Area1,401 sqft
FlooringConcrete/Cement
Interior WallsWood

Exterior

Year BuiltBuilt 1968
Effective Year BuiltEffective 2005
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area11,112 sqft (0.255 acres)
Lot Dimensions140 ft deep x 114 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area264 sqft
PorchFlorida Room
Porch Area215 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address405 HILLCREST DR
CityWINTER HAVEN
StateFL
Zip33884-2025
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionELOISE WOODS LAKE ROY UNIT PB 14 PG 19 19A 19B LOT 64 LESS BEG NW COR RUN S 70 FT N 12 DEG 06 MIN 12 SEC E 60.1 FT N 48 DEG 17 MIN 02 SEC W TO POB & PART OF 65 DESC AS BEG SE COR OF LOT 65 RUN W 15 FT N 12 DEG 06 MIN 12 SEC E 71.52 FT S 70 FT TO POB
Legal Range26E
Legal Township28S
Legal Section34
Legal SubdivisionELOISE WOODS LAKE ROY UNIT
Legal Tract660000
Legal Block2
Legal Lot Number64
Legal UnitPB
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2046
Census Tract14005

Owner

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 Record2 Individual Names on Record
Mailing Address405 HILLCREST DR, WINTER HAVEN, FL 33884-2025
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 7, 2024 · Amount on Record
Deed SaleMay 7, 2024 · Amount on Record
Prior SaleDec 14, 2006
Deed Document Number2024105427
Deed Book / Page13106 / 1389
Record UpdatedOct 29, 2026

May 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMay 7, 2024
Property Address405 HILLCREST DR, WINTER HAVEN, FL 33884-2025
Document Number0000105427
Book / Page13106 / 1389
Map ReferenceMB 14 PG 19,19A&19B
Instrument DateApr 29, 2024
Instrument2024105427
Transaction TypeTransfer
Record UpdatedMay 15, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,911.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address17850 CR, OAK CREEK, CO 80467

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address405 HILLCREST DR, WINTER HAVEN, FL 33884-2025

Mortgage

Document Number0131061392
DateMay 7, 2024
Instrument13106/1392
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 1, 2054

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$199,189 (-1.49%) Land $44,449 Building $154,740$199,189 (-1.49%) Land $44,449 Building $154,740
2025$2,143.00 (-34.86%) Homeowner's exemption$202,194 (-1.9%) Land $42,226 Building $159,968$202,194 (-1.9%) Land $42,226 Building $159,968
2023$3,290.00 (+217.26%)$206,112 (+152.74%) Land $41,115 Building $164,997$206,112 (+9.85%) Land $41,115 Building $164,997
2022$1,037.00 Homeowner's exemption$81,552$187,634 Land $34,448 Building $153,186

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 33 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies33 in force
Nearby Flood Claims13 (1978–2026)
Claims Outside the SFHA6 of 13
Most Recent ClaimJun 2026 · rainfall accumulation
Claims by Event
  • Hurricane Ian, Sep 2022 · 3 claims
  • Hurricane Frances, Sep 2004 · 2 claims

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 RiskLow
lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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 231 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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