Polk County property record for 408 Flagler Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,525 sqft · built 1977 |
| Lot Size | 0.344 acres (15,002 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $330,000 (Feb 2022) |
| Tax Bill | $2,801 (2025) |
| Deeds & Mortgages | Feb 2022 Sale & Mortgage May 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-27-000000-042750 |
| Primary APN | 26-28-27-000000-042750 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,525 sqft Living Area |
| Gross Area | 2,031 sqft |
| 1st Floor Area | 1,525 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 15,002 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Pool Area | 450 sqft |
|---|---|
| Porch | Unfinished Open Porch |
| Porch Area | 18 sqft |
| Shed | 1 Shed |
| Street Address | 408 FLAGLER RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-1024 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BEG 460 FT N & 385 FT W OF S1/4 COR OF SEC RUN E 100 FT S 150 FT W 100 FT N 150 FT TO POB BEING LOT 405 OF UNREC VALENCIA WOOD HILLS |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 27 |
| Legal Subdivision | LAKE LINK ESTATES |
| Legal Tract | 000000 |
| Legal Block | 1 |
| Legal Lot Number | 405 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1036 |
| 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 | 408 FLAGLER RD, WINTER HAVEN, FL 33884-1024 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 1, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 22, 2018 | Warranty Deed, Transfer · FHA Mortgage SUPREME LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 1, 2022 · Amount on Record |
| Deed Sale | Feb 1, 2022 · Amount on Record |
| Prior Sale | May 22, 2018 · Amount on Record |
| Deed Document Number | 202228150 |
| Deed Book / Page | 12098 / 238 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 1, 2022 |
| Property Address | 408 FLAGLER RD, WINTER HAVEN, FL 33884-1024 |
| Document Number | 0000028150 |
| Book / Page | 12098 / 238 |
| Instrument Date | Jan 14, 2022 |
| Instrument | 2022028150 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2023 |
| Title Company | CELEBRATION TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,310.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1417 BLUFF LOOP, DUNDEE, FL 33838-4401 |
| Name | Verified Name |
|---|---|
| Address | 408 FLAGLER RD, WINTER HAVEN, FL 33884-1024 |
| Document Number | 0000028152 |
|---|---|
| Date | Feb 1, 2022 |
| Book Page | 12098/242 |
| Instrument | 2022028152 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 22, 2018 |
| Property Address | 408 FLAGLER RD, WINTER HAVEN, FL 33884-1024 |
| Document Number | 0104922217 |
| Book / Page | 010492 / 002217 |
| Instrument Date | May 17, 2018 |
| Instrument | 109533 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2018 |
| Title Company | REAL ESTATE TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,389.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 408 FLAGLER RD WINTER HAVEN FL 338841024, WINTER HAVEN, FL 33884-1024 |
| Document Number | 104922218 |
|---|---|
| Date | May 22, 2018 |
| Book Page | 010492/002218 |
| Instrument | 109534 |
| Name | SUPREME LNDG |
|---|---|
| Address | DALLAS, TX 75254 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 21, 2048 |
| Document Number | 104922231, |
|---|---|
| Date | May 22, 2018 |
| Book Page | 010492/002231 |
| Instrument | 109535 |
| Name | SUPREME LNDG |
|---|---|
| Address | DALLAS, TX 75254 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 21, 2048 |
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 | $258,648 (+2.7%) | $290,351 (+5.05%) Land $64,509 Building $225,842 | |
| 2025 | $2,801.00 (-11.22%) Homeowner's exemption | $251,848 (+5.99%) | $276,404 (+1.18%) Land $64,509 Building $211,895 |
| 2023 | $3,155.00 (+48.54%) Homeowner's exemption | $237,621 (+46.12%) | $273,185 (+34.73%) Land $63,009 Building $210,176 |
| 2022 | $2,124.00 | $162,617 | $202,759 Land $35,000 Building $167,759 |
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.
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 |
|---|---|
| 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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