Polk County property record for 410 Thomas Ave, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,442 sqft · built 1969 |
| Lot Size | 0.153 acres (6,643 sqft) |
| Owner | Individual Name on File |
| Last Sale | $66,200 (Sep 1995) |
| Tax Bill | $314 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-28-25-354100-012110 |
| Primary APN | 25-28-25-354100-012110 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,442 sqft Living Area |
| Gross Area | 1,056 sqft |
| 1st Floor Area | 1,056 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wood |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 6,643 sqft (0.153 acres) |
| Lot Dimensions | 100 ft deep x 67 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 386 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 878 sqft |
| Shed | 1 Shed |
| Street Address | 410 THOMAS AVE |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-1456 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | JAN PHYL VILLAGE UNIT 10 PB 45 PG 38 BLK L LOT 11 |
| Legal Range | 25E |
| Legal Township | 28S |
| Legal Section | 25 |
| Legal Subdivision | JAN PHYL VILLAGE UNIT 10 |
| Legal Tract | 354100 |
| Legal Block | L |
| Legal Lot Number | 11 |
| Legal Unit | 10 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 13802 |
410 Thomas Ave is owned and occupied by an individual who bought it in September 1995.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 410 THOMAS AVE, WINTER HAVEN, FL 33880-1456 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 20, 1995 · Amount on File |
| Deed Sale | Sep 20, 1995 · Amount on File |
| Prior Sale | Mar 24, 1995 · Amount on File |
| Deed Book / Page | 3581 / 594 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 15, 2026 |
| Property Address | 410 THOMAS AVE, WINTER HAVEN, FL 33880-1456 |
| Document Number | 0000168562 |
| Book / Page | 14076 / 1297 |
| Instrument Date | Jul 9, 2026 |
| Instrument | 2026168562 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 410 THOMAS AVE, WINTER HAVEN, FL 33880-1456 |
| Document Number | 0000168562, |
|---|---|
| Date | Jul 15, 2026 |
| Book Page | 14076/1297 |
| Instrument | 2026168562 |
| Name | CITIZENS TRUST COMPANY |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
The 2025 property tax bill for 410 Thomas Ave was $314 with a homeowner's exemption.
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 | $50,633 (+2.7%) | $201,560 (-1.39%) Land $14,500 Building $187,060 | |
| 2025 | $314.00 Homeowner's exemption | $49,302 | $204,394 Land $14,500 Building $189,894 |
| 2023 | $783.00 (+7.7%) Homeowner's exemption | $46,032 (+3%) | $201,550 (+17.51%) Land $14,000 Building $187,550 |
| 2022 | $727.00 Homeowner's exemption | $44,691 | $171,516 Land $11,500 Building $160,016 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 410 Thomas Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 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 |
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 risk around 410 Thomas Ave is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 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 | CENTRAL serves 13,595 people · EPA ID FL6534609 |
|---|---|
| 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, 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.
Source: FCC Broadband Data Collection, based on 546 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 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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