409 5th St SE, Winter Haven, FL 33880 Property Records

Polk County property record for 409 5th St SE, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,310 sqft · built 1960
Lot Size	0.144 acres (6,290 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Jan 2020)
Tax Bill	$1,508 (2025)
Deeds & Mortgages	Jan 2020 Sale & Mortgage Sep 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-28-617500-002142`

Property Details

APN / Parcel Number

Primary APN	`26-28-28-617500-002142`
Alternative APNs	`282826617500002142` `82826000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,310 sqft Living Area
1st Floor Area	1,058 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2005
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Other
Lot Area	6,290 sqft (0.144 acres)
Lot Dimensions	104 ft deep x 60 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	252 sqft
Carport	Carport
Carport Area	252 sqft
Porch	Florida Room
Utility Building	40 sqft

Location & Zoning

Street Address	409 5TH ST SE
City	WINTER HAVEN
State	FL
Zip	33880-3519
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	COLLEGE HEIGHTS OR COKER & BUGBEE PB 3 PG 78 N 60 FT OF LOTS 14 & 15 AND E 40 OF N 60 OF LOT 16 BLK B
Legal Range	26E
Legal Township	28S
Legal Section	28
Legal Subdivision	COLLEGE HEIGHTS OR COKER AND BUZBEE
Legal Tract	617500
Legal Block	2
Legal Lot Number	14,15
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2013
Census Tract	13901

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 Record	Individual Name on Record
Mailing Address	409 5TH ST SE, WINTER HAVEN, FL 33880-3519
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2020	Warranty Deed, Transfer · FHA Mortgage NATIONS LNDG
Sep 23, 2019	Warranty Deed, Transfer GIANNELL TITLE LLC
Sep 23, 2019	Warranty Deed, Transfer GIANNELL TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2020 · Amount on Record
Deed Sale	Jan 30, 2020 · Amount on Record
Prior Sale	Sep 23, 2019 · Amount on Record
Deed Document Number	202022483
Deed Book / Page	11123 / 2295
Record Updated	Oct 29, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 30, 2020
Property Address	409 5TH ST SE, WINTER HAVEN, FL 33880-3519
Document Number	0111232295
Book / Page	011123 / 002295
Instrument Date	Jan 27, 2020
Instrument	22483
Transaction Type	Transfer
Record Updated	Feb 20, 2020
Title Company	PREMIER TITLE/CTRL FL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$945.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 5TH ST SE WINTER HAVEN FL 338803519, WINTER HAVEN, FL 33880-3519

Mortgage

Document Number	111232297
Date	Jan 30, 2020
Book Page	011123/002297
Instrument	22484

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 29, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 23, 2019
Property Address	409 5TH ST SE, WINTER HAVEN, FL 33880-3519
Document Number	0109821403
Book / Page	010982 / 001403
Instrument Date	Sep 20, 2019
Instrument	201465
Transaction Type	Transfer
Record Updated	Oct 9, 2019
Title Company	GIANNELL TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$524.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5225 E PIMA ST TUCSON AZ 857123629, TUCSON, AZ 85712-3629
Investor	Possibly a Property Investor

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 23, 2019
Property Address	409 5TH ST SE, WINTER HAVEN, FL 33880-3519
Document Number	0109821401
Book / Page	010982 / 001401
Instrument Date	Sep 20, 2019
Instrument	201464
Transaction Type	Transfer
Record Updated	Oct 9, 2019
Title Company	GIANNELL TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$420.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	800 SILKS RUN #2330 HALLANDALE BEACH FL 330092791, 2330, HALLANDALE BEACH, FL 33009-2791

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$126,207 (+2.7%)	$150,572 (-3.31%) Land $22,015 Building $128,557
2025	$1,508.00 (+7.33%) Homeowner's exemption	$122,889 (+5.99%)	$155,724 (-3.02%) Land $22,015 Building $133,709
2023	$1,405.00 (+29.37%) Homeowner's exemption	$115,948 (+17.38%)	$160,578 (+28.8%) Land $18,870 Building $141,708
2022	$1,086.00 Homeowner's exemption	$98,778	$124,673 Land $15,725 Building $108,948

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force

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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 373 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Alternative Choice Wireless, Frontier.

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