407 Thomas Ave, Winter Haven, FL 33880 Property Records

Polk County property record for 407 Thomas Ave, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,192 sqft · built 1969
Lot Size	0.156 acres (6,813 sqft)
Owner	2 Individual Names on Record
Last Sale	$46,700 (Apr 2022)
Tax Bill	$1,986 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-28-25-354100-011200`

Property Details

APN / Parcel Number

Primary APN	`25-28-25-354100-011200`
Alternative APN	`52825000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,192 sqft Living Area
Gross Area	904 sqft
1st Floor Area	904 sqft
Flooring	Tile
Interior Walls	Wood

Exterior

Year Built	Built 1969
Effective Year Built	Effective 2015
Exterior Material	Stucco
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
Garage Type	Detached
Garage Area	384 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Screened/Unfinished Porch
Porch Area	768 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	407 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 20
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	20
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 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	407 THOMAS AVE, WINTER HAVEN, FL 33880-1457
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2022	Quit Claim Deed, Transfer · Conventional Mortgage KEYSTONE FUNDING INC
Jul 2, 2018	Warranty Deed, Transfer · FHA Mortgage CARDINAL FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2022 · Amount on Record
Deed Sale	Apr 13, 2022 · Amount on Record
Prior Sale	Jul 2, 2018 · Amount on Record
Deed Document Number	2022100775
Deed Book / Page	12207 / 1298
Prior Transfer Date	Mar 28, 2022
Prior Transfer Doc	0000100775
Record Updated	Sep 20, 2026

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Apr 13, 2022
Property Address	407 THOMAS AVE, WINTER HAVEN, FL 33880-1457
Document Number	0000100775
Book / Page	12207 / 1298
Map Reference	MB 45 PG 38
Instrument Date	Mar 28, 2022
Instrument	2022100775
Transaction Type	Transfer
Record Updated	Apr 27, 2022
Title Company	EXECUTIVE TITLE, EXECUTIVE TITLE OF FL INC

Transaction

Amount	Amount Recorded
Tax	$326.90
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	407 THOMAS AVE, 407, WINTER HAVEN, FL 33880-1457

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 THOMAS AVE, WINTER HAVEN, FL 33880-1457

Mortgage

Document Number	0122071299
Date	Apr 13, 2022
Instrument	12207/1299

Lender

Name	KEYSTONE FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 2, 2018
Property Address	407 THOMAS AVE, WINTER HAVEN, FL 33880-1457
Document Number	0105342035
Book / Page	010534 / 002035
Instrument Date	Jun 29, 2018
Instrument	140053
Transaction Type	Transfer
Record Updated	Jul 25, 2018
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,113.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 THOMAS AVE WINTER HAVEN FL 338801457, WINTER HAVEN, FL 33880-1457

Mortgage

Document Number	105342036
Date	Jul 2, 2018
Book Page	010534/002036
Instrument	140054

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

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	$1,986.00 (-17.28%) Homeowner's exemption	$193,871 (+5.99%)	$207,458 (+1.35%) Land $14,500 Building $192,958
2023	$2,401.00 (+3.8%) Homeowner's exemption	$182,919 (+3%)	$204,702 (+15.27%) Land $14,000 Building $190,702
2022	$2,313.00 Homeowner's exemption	$177,591 Land $11,500 Building $166,091	$177,591 Land $11,500 Building $166,091

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

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 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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