Polk County property record for 409 Thomas Ave, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,255 sqft · built 1969 |
| Lot Size | 0.157 acres (6,817 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $140,000 (May 2018) |
| Tax Bill | $1,112 (2025) |
| Deeds & Mortgages | May 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-28-25-354100-011210 |
| Primary APN | 25-28-25-354100-011210 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,255 sqft Living Area |
| Gross Area | 1,618 sqft |
| 1st Floor Area | 1,039 sqft |
| Flooring | Terrazzo |
| Interior Walls | Wood |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 6,817 sqft (0.157 acres) |
| Lot Dimensions | 100 ft deep x 83 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 363 sqft |
| Porch | Florida Room |
| Porch Area | 264 sqft |
| Cooling System | Central |
|---|
| Street Address | 409 THOMAS AVE |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-1457 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | JAN PHYL VILLAGE UNIT 10 PB 45 PG 38 BLK K LOT 21 |
| 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 | 21 |
| Legal Unit | 10 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 13802 |
Source: Polk County records · APN 25-28-25-354100-011210
Assessment roll updated June 23, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 409 THOMAS AVE, WINTER HAVEN, FL 33880-1457 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 04, 2018 · Amount on Record |
| Deed Sale | May 04, 2018 · Amount on Record |
| Prior Sale | Jun 17, 1998 · Amount on Record |
| Deed Document Number | 201896690 |
| Deed Book / Page | 10476 / 510 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 04, 2018 |
| Property Address | 409 THOMAS AVE, WINTER HAVEN, FL 33880-1457 |
| Document Number | 0104760510 |
| Book / Page | 010476 / 000510 |
| Instrument Date | Apr 27, 2018 |
| Instrument | 96690 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2018 |
| Title Company | INTEGRITY FIRST TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $980.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 409 THOMAS AVE WINTER HAVEN FL 338801457, WINTER HAVEN, FL 33880-1457 |
| Document Number | 104760522 |
|---|---|
| Date | May 04, 2018 |
| Book Page | 010476/000522 |
| Instrument | 96692 |
| Name | CAPITAL AREA HSNG FIN |
|---|---|
| Type | Funding / Finance Company |
| Address | TALLAHASSEE, FL 32301-1329 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 104760511, |
|---|---|
| Date | May 04, 2018 |
| Book Page | 010476/000511 |
| Instrument | 96691 |
| Name | EQUITY PRIME MTG |
|---|---|
| Address | ATLANTA, GA 30328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 03, 2048 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
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 | $1,112.00 (-28.21%) Homeowner's exemption | $126,219 (+5.99%) | $207,951 (+0.94%) Land $14,500 Building $193,451 |
| 2023 | $1,549.00 (+5.02%) Homeowner's exemption | $119,089 (+3%) | $206,017 (+13.34%) Land $14,000 Building $192,017 |
| 2022 | $1,475.00 Homeowner's exemption | $115,620 | $181,776 Land $11,500 Building $170,276 |
Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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.
Based on FCC filings for 546 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CENTRAL serves 13,595 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2023 |
| Lead | 1 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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