409 E Central Ave, Winter Haven, FL 33880 Property Records

Polk County property record for 409 E Central Ave, Winter Haven, FL 33880 · Last verified August 2026

Property Highlights

Property Type	Commercial > Office > Medical Building
Year Built	Built 2013
Square Footage	5,162 sqft Gross Area
Lot Size	24,150 sqft (0.554 acres)
Garage	16,380 sqft
Last Sale	$1,025,000 (2021)
Tax Bill	$16,068.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`26-28-28-000000-031020`
Alternative APNs	`282826000000031020` `82826000`

Interior

Units	2 Units
Building Area	5,162 sqft Gross Area
1st Floor	5,162 sqft 1st Floor
Stories	1 Stories

Exterior

Year Built	Built 1925
Effective Year Built	Effective 2013
Fire Resistance Class	Buildings having wood or wood and steel frames.
Lot Area	24,150 sqft (0.554 acres)
Depth X Width	140 ft x 130 ft Depth x Width
Garage Area	16,380 sqft Garage

Location & Zoning

Street Address	409 E CENTRAL AVE
City	WINTER HAVEN
State	FL
Zip	33880-3051
Property Usage	Commercial Property Usage
Type	Commercial > Office > Medical Building
Legal Description	BEG 155 FT N OF SW COR OF NE1/4 OF NW1/4 RUN N 52 FT E 125 FT S 42 FT E 75 FT S 140 FT W 130 FT N 130 FT W 70 FT TO POB
Legal Range	26E
Legal Township	28S
Legal Section	28
Legal Subdivision	KLEMM ARTHUR PROP
Legal Tract	000000
Legal Block	2
Jurisdiction	POLK FL
Minor Civil Division	WINTER HAVEN-AUBURNDALE
Census Blockgroup	2
Census Block	2034
Census Tract	13702

Owner

Source: Polk County records · APN 26-28-28-000000-031020

Assessment roll updated July 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	32615 US HIGHWAY 19 N, 4, PALM HARBOR, FL 34684-3176
Owner Type	Owner is a Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 30, 2021 · Amount on Record
Deed Sale	Dec 30, 2021 · Amount on Record
Prior Sale	Nov 26, 2008 · Amount on Record
Deed Doc Number	2021340131
Deed Book / Page	12051 / 1075
Record Refreshed	Sep 20, 2026

December 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 30, 2021
Property Address	409 E CENTRAL AVE, WINTER HAVEN, FL 33880-3051
Document Number	0000340131
Book / Page	12051 / 1075
Instrument Date	Dec 29, 2021
Instrument	2021340131
Transaction Type	Transfer
Record Updated	Aug 02, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$7,175.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2140 E EDGEWOOD DR, 2140, LAKELAND, FL 33803-3604

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32615 US HIGHWAY 19 N STE 4, 4, PALM HARBOR, FL 34684-3176

Mortgage

Document Number	0120511078
Date	Dec 30, 2021
Instrument	12051/1078

Lender

Name	SYNOVUS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$16,068.00 (+5.39%)	$844,700 (-1.79%) Land $223,388 Building $621,312	$844,700 (-1.79%) Land $223,388 Building $621,312
2024	$15,246.00 (-7.95%)
2023	$16,562.00 (+4.93%)	$860,120 (+5.91%) Land $187,163 Building $672,957	$860,120 (+5.91%) Land $187,163 Building $672,957
2022	$15,784.00	$812,101 Land $187,163 Building $624,938	$812,101 Land $187,163 Building $624,938

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the Winter Haven Heights Historic Residential District listed 2000 · 147 contributing resources · NRIS 00000660

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.