405 Thomas Ave, Winter Haven, FL 33880 Property Records

Polk County property record for 405 Thomas Ave, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,258 sqft · built 1969
Lot Size	0.156 acres (6,813 sqft)
Owner	2 Individual Names on File
Last Sale	$244,900 (Sep 2023)
Tax Bill	$1,749 (2025)
Deeds & Mortgages	Mar 2026 Transfer Sep 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25-28-25-354100-011190`

Property Details

APN / Parcel Number

Primary APN	`25-28-25-354100-011190`
Alternative APN	`52825000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,258 sqft Living Area
1st Floor Area	1,018 sqft
Flooring	Concrete/Cement
Interior Walls	Wood

Exterior

Year Built	Built 1969
Effective Year Built	Effective 2013
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	6,813 sqft (0.156 acres)
Lot Dimensions	100 ft deep x 83 ft wide
View / Lot	Commercial/Industrial
Porch	Florida Room
Porch Area	292 sqft
Utility Building	90 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	405 THOMAS AVE
City	WINTER HAVEN
State	FL
Zip	33880-1457
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	JAN PHYL VILLAGE UNIT 10 PB 45 PG 38 BLK K LOT 19
Legal Range	25E
Legal Township	28S
Legal Section	25
Legal Subdivision	JAN PHYL VILLAGE UNIT 10
Legal Tract	354100
Legal Block	K
Legal Lot Number	19
Legal Unit	10
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1007
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	405 THOMAS AVE, WINTER HAVEN, FL 33880-1457
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2026	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Sep 22, 2023	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage NFM INC
May 23, 2022	Special Warranty Deed, Construction Loan OS NATIONAL LLC
Apr 6, 2022	Warranty Deed, Transfer THE CLOSING BOUTIQUE LLC, THE CLOSING AGENT LLC
Feb 25, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 22, 2023 · Amount on Record
Deed Sale	Sep 22, 2023 · Amount on Record
Prior Sale	Apr 6, 2022 · Amount on Record
Deed Document Number	2023223333
Deed Book / Page	12846 / 695
Prior Transfer Date	Feb 25, 2019
Prior Transfer Doc	0000037610
Record Updated	Sep 20, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Mar 11, 2026
Property Address	405 THOMAS AVE, WINTER HAVEN, FL 33880-1457
Document Number	0000058982
Book / Page	13913 / 2000
Instrument Date	Mar 9, 2026
Instrument	2026058982
Transaction Type	Transfer
Record Updated	Mar 25, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	405 THOMAS AVE, WINTER HAVEN, FL 33880-1457

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 THOMAS AVE, WINTER HAVEN, FL 33880-1457

September 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 22, 2023
Property Address	405 THOMAS AVE, WINTER HAVEN, FL 33880-1457
Document Number	0000223333
Book / Page	12846 / 695
Map Reference	MB 45 PG 38
Instrument Date	Sep 15, 2023
Instrument	2023223333
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 9, 2023
Title Company	DIVVY TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,714.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	300 MONTGOMERY ST, SAN FRANCISCO, CA 94104-1901

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1200 N FERRELL ST, PLANT CITY, FL 33563-2220

Mortgage

Document Number	0012846698
Date	Sep 22, 2023
Instrument	12846/698

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Mortgage

Document Number	0000223335
Date	Sep 22, 2023
Book Page	12846/712
Instrument	2023223335

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Government Agency
Address	TALLAHASSEE, FL 32301

Agreement

Type	Loan Assumption
Amount	Amount Recorded

May 2022: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 23, 2022
Property Address	405 THOMAS AVE, WINTER HAVEN, FL 33880-1457
Document Number	0000141126
Book / Page	12265 / 1481
Map Reference	MB 45 PG 38
Instrument Date	May 20, 2022
Instrument	2022141126
Transaction Type	Construction Loan
Record Updated	Jun 2, 2022
Title Company	OS NATIONAL LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	300 MONTGOMERY ST STE 350, 300, SAN FRANCISCO, CA 94104-1925

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 MONTGOMERY ST STE 350, 350, SAN FRANCISCO, CA 94104-1925
Investor	Possibly a Property Investor

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 6, 2022
Property Address	405 THOMAS AVE, WINTER HAVEN, FL 33880-1457
Document Number	0000094225
Book / Page	12198 / 571
Map Reference	MB 45 PG 38
Instrument Date	Mar 29, 2022
Instrument	2022094225
Transaction Type	Transfer
Record Updated	Apr 20, 2022
Title Company	THE CLOSING BOUTIQUE LLC, THE CLOSING AGENT LLC

Transaction

Amount	Amount Recorded
Tax	$1,610.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	205 LAGOON RD, 205, WINTER HAVEN, FL 33884-2529

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	548 MARKET ST, SAN FRANCISCO, CA 94104-5401
Investor	Possibly a Property Investor

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 25, 2019
Property Address	405 THOMAS AVE, WINTER HAVEN, FL 33880-1457
Document Number	0107591647
Book / Page	010759 / 001647
Instrument Date	Feb 25, 2019
Instrument	37610
Transaction Type	Transfer
Record Updated	Mar 11, 2019

Transaction

Amount	Amount Recorded
Tax	$0.70

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	213 AVENUE D SW WINTER HAVEN FL 338803424, WINTER HAVEN, FL 33880-3424

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	$1,749.00 (-29.82%)	$175,546 (+12.95%) Land $14,500 Building $161,046	$175,546 (+12.95%) Land $14,500 Building $161,046
2024	$2,492.00 (-2.12%)
2023	$2,546.00 (+22.35%)	$155,417 (+12.77%) Land $14,000 Building $141,417	$155,417 (+12.77%) Land $14,000 Building $141,417
2022	$2,081.00	$137,822 Land $11,500 Building $126,322	$137,822 Land $11,500 Building $126,322

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 67% of the US · lower than 92% 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 546 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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