Polk County property record for 409 Fernandez St, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,688 sqft · built 2006 |
| Lot Size | 0.775 acres (33,737 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $79,000 (Aug 2010) |
| Tax Bill | $1,064 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-28-691003-000070 |
| Primary APN | 26-29-28-691003-000070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,688 sqft Living Area |
| Gross Area | 2,150 sqft |
| 1st Floor Area | 1,688 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 33,737 sqft (0.775 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 176 sqft |
| Shed | 1 Shed |
| Street Address | 409 FERNANDEZ ST |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-6143 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIDGE ACRES PHASE IV UNIT I PB 115 PGS 26 & 27 LOT 7 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 28 |
| Legal Subdivision | RIDGE ACRES PHASE IV UNIT 1 |
| Legal Phase | IV |
| Legal Tract | 691003 |
| Legal Block | 4 |
| Legal Lot Number | 7 |
| Legal Unit | 1 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 4 |
| Census Block | 4050 |
| Census Tract | 14501 |
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 FERNANDEZ ST, WINTER HAVEN, FL 33880-6143 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 17, 2010 · Amount on Record |
| Deed Sale | Aug 17, 2010 · Amount on Record |
| Prior Sale | Apr 12, 2006 |
| Deed Document Number | 2010129634 |
| Deed Book / Page | 8199 / 1151 |
| Last Transfer Date | Oct 12, 2013 |
| Transfer Doc | 0000088699 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 409 FERNANDEZ ST, WINTER HAVEN, FL 33880-6143 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 409 FERNANDEZ ST, WINTER HAVEN, FL 33880-6143 |
| Document Number | 0000040846 |
|---|---|
| Date | Feb 21, 2024 |
| Book Page | 13013/1923 |
| Instrument | 2024040846 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | FISHERS, IN 46037 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Mar 1, 2064 |
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 | $125,808 (+2.7%) | $223,499 (-2.63%) Land $30,800 Building $192,699 | |
| 2025 | $1,064.00 (-27.62%) Homeowner's exemption | $122,500 (+5.99%) | $229,527 (-0.92%) Land $30,800 Building $198,727 |
| 2023 | $1,470.00 (+4.4%) Homeowner's exemption | $115,581 (+3%) | $231,666 (+13.22%) Land $23,100 Building $208,566 |
| 2022 | $1,408.00 Homeowner's exemption | $112,215 | $204,623 Land $19,481 Building $185,142 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 97 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 97 in force |
| Nearby Flood Claims | 8 (2004–2022) |
| Claims Outside the SFHA | 4 of 8 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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 | Moderate above 66% of the US · above 43% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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