Polk County property record for 412 Bayou Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,971 sqft · built 1971 |
| Lot Size | 0.241 acres (10,507 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $224,000 (Aug 2018) |
| Tax Bill | $2,135 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-36-663000-000718 |
| Primary APN | 26-28-36-663000-000718 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,971 sqft Living Area |
| Gross Area | 2,537 sqft |
| 1st Floor Area | 1,971 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 10,507 sqft (0.241 acres) |
| Lot Dimensions | 131 ft deep x 80 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 566 sqft |
| Patio Area | 220 sqft |
| Cooling System | Central |
|---|
| Street Address | 412 BAYOU RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | FLA HIGHLANDS CO SUB PB 3 PG 2M LOT 7 S 80 FT OF N 355 FT OF SE1/4 OF NE 1/4 OF SW1/4 LESS W 535 FT KNOWN AS LOT 30 OF UNREC GARDEN GROVE HARBOR |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 36 |
| Legal Subdivision | FLORIDA HIGHLAND CO SUBDIVISION |
| Legal Tract | 30 |
| Legal Block | 2 |
| Legal Lot Number | 7 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 14001 |
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 | 412 BAYOU RD, WINTER HAVEN, FL 33884-2507 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 20, 2020 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Aug 31, 2018 | Warranty Deed, Mortgage · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 31, 2018 · Amount on Record |
| Deed Sale | Aug 31, 2018 · Amount on Record |
| Prior Sale | Apr 6, 2007 · Amount on Record |
| Deed Document Number | 2018186762 |
| Deed Book / Page | 10599 / 1933 |
| Prior Transfer Date | Oct 5, 2010 |
| Prior Transfer Doc | 0000164722 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 412 BAYOU RD, WINTER HAVEN, FL 33884-2507 |
| Document Number | 0112822174 |
| Instrument Date | Jun 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 412 BAYOU RD WINTER HAVEN FL 338842507, WINTER HAVEN, FL 33884-2507 |
| Document Number | 0112822174 |
|---|---|
| Date | Jun 30, 2020 |
| Book Page | 011282/002174 |
| Instrument | 130704 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 29, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 31, 2018 |
| Property Address | 412 BAYOU RD, WINTER HAVEN, FL 33884-2507 |
| Document Number | 0105991933 |
| Book / Page | 010599 / 001933 |
| Instrument Date | Aug 30, 2018 |
| Instrument | 186762 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2018 |
| Title Company | REAL ESTATE TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $10.98 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 412 BAYOU RD WINTER HAVEN FL 338842507, WINTER HAVEN, FL 33884-2507 |
| Document Number | 105991934 |
|---|---|
| Date | Aug 31, 2018 |
| Book Page | 010599/001934 |
| Instrument | 186763 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 30, 2048 |
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 | $207,001 (+2.7%) | $249,880 (-1.26%) Land $36,680 Building $213,200 | |
| 2025 | $2,135.00 (-14.6%) Homeowner's exemption | $201,559 (+5.99%) | $253,057 (-1.99%) Land $36,680 Building $216,377 |
| 2023 | $2,500.00 (+3.09%) Homeowner's exemption | $190,174 (+3%) | $258,193 (+10.44%) Land $35,632 Building $222,561 |
| 2022 | $2,425.00 Homeowner's exemption | $184,635 | $233,776 Land $29,344 Building $204,432 |
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 3 (2017–2022) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
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 40% of the US · lower than 87% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 260 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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