1. Home
  2. Florida
  3. Polk County
  4. Winter Haven
  5. Fernandez St

413 Fernandez St, Winter Haven, FL 33880 Property Records

Polk County property record for 413 Fernandez St, Winter Haven, FL 33880

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 1,896 sqft · built 2006
Lot Size0.727 acres (31,681 sqft)
Owner2 Individual Names on Record
Last Sale$245,000 (Apr 2021)
Tax Bill$2,058 (2025)
Deeds & MortgagesApr 2023 Mortgage
Apr 2021 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN26-29-28-691003-000080

Property Details

APN / Parcel Number

Primary APN26-29-28-691003-000080
Alternative APNs
  • 282926691003000080
  • 82926000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area1,896 sqft Living Area
Gross Area2,358 sqft
1st Floor Area1,056 sqft
Upper Floors Area840 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Exterior MaterialStucco
Construction TypeConcrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area31,681 sqft (0.727 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area462 sqft
PorchUnfinished Open Porch

Location & Zoning

Street Address413 FERNANDEZ ST
CityWINTER HAVEN
StateFL
Zip33880-6143
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRIDGE ACRES PHASE IV UNIT I PB 115 PGS 26 & 27 LOT 8
Legal Range26E
Legal Township29S
Legal Section28
Legal SubdivisionRIDGE ACRES PHASE IV UNIT 1
Legal PhaseIV
Legal Tract691003
Legal Block4
Legal Lot Number8
Legal Unit1
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group4
Census Block4050
Census Tract14501

Owner

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 Record2 Individual Names on Record
Mailing Address413 FERNANDEZ ST, WINTER HAVEN, FL 33880-6143
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 28, 2023Deed of Trust, Mortgage · FHA Mortgage
NEWREZ LLC
Apr 12, 2021Warranty Deed, Transfer · FHA Mortgage
CALIBER HOME LOANS INC
Jun 12, 2019Deed of Trust, Mortgage · Line of Credit
RAILROAD & IND'L FCU
Mar 3, 2017Loan Modification, Mortgage · Conventional Mortgage
WELLS FARGO BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 12, 2021 · Amount on Record
Deed SaleApr 12, 2021 · Amount on Record
Prior SaleFeb 3, 2014 · Amount on Record
Deed Document Number202192367
Deed Book / Page11663 / 1747
Record UpdatedOct 29, 2026

April 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address413 FERNANDEZ ST, WINTER HAVEN, FL 33880-6143
Transaction TypeMortgage
Record UpdatedMay 12, 2023
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address413 FERNANDEZ ST, WAHNETA, FL 33880-6143

Mortgage

Document Number0000098809
DateApr 28, 2023
Book Page12670/737
Instrument2023098809
Lender
NameNEWREZ LLC
TypeMortgage Company
AddressTEMPE, AZ 85284
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term336 Months
DueApr 1, 2051

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateApr 12, 2021
Property Address413 FERNANDEZ ST, WINTER HAVEN, FL 33880-6143
Document Number0000092367
Book / Page11663 / 1747
Map ReferenceMB 115 PG 26&27
Instrument DateMar 22, 2021
Instrument2021092367
Transaction TypeTransfer
Record UpdatedDec 23, 2021
Title CompanyHOME SOLUTION TITLE INC, HOME SOLUTION TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,715.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address413 FERNANDEZ ST, 413, WINTER HAVEN, FL 33880-6143

Transferred To (Grantee/Buyer)

NameVerified Name
Address413 FERNANDEZ ST, WINTER HAVEN, FL 33880-6143

Mortgage

Document Number0116631749
DateApr 12, 2021
Instrument11663/1749
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 1, 2051

June 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address413 FERNANDEZ ST, WINTER HAVEN, FL 33880-6143
Document Number0108761133
Instrument DateJun 12, 2019
Transaction TypeMortgage
Record UpdatedJun 27, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address413 FERNANDEZ ST WINTER HAVEN FL 338806143, WINTER HAVEN, FL 33880-6143

Mortgage

Document Number0108761133
DateJun 17, 2019
Book Page010876/001133
Instrument124709
Lender
NameRAILROAD & IND'L FCU
TypeCredit Union
AddressTAMPA, FL 33619
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJun 16, 2049
Interest
Rate TypeAdjustable Rate

March 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPOLK FL
Property Address413 FERNANDEZ ST, WINTER HAVEN, FL 33880-6143
Document Number0101182184
Instrument DateMar 3, 2017
Transaction TypeMortgage
Record UpdatedAug 21, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address413 FERNANDEZ ST WINTER HAVEN FL 338806143, WINTER HAVEN, FL 33880-6143
InvestorPossibly a Property Investor

Mortgage

Document Number0101182184
DateApr 17, 2017
Book Page010118/002184
Instrument71263
Lender
NameWELLS FARGO BK
TypeBank
AddressDES MOINES, IA 50328
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 16, 2047
Interest
Rate4.25%

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$204,825 (+2.7%)$220,833 (-2.1%) Land $29,200 Building $191,633
2025$2,058.00 (-15.03%) Homeowner's exemption$199,440 (+5.99%)$225,570 (+0.19%) Land $29,200 Building $196,370
2023$2,422.00 (+3.33%) Homeowner's exemption$188,174 (+3%)$225,148 (+23.24%) Land $21,900 Building $203,248
2022$2,344.00 Homeowner's exemption$182,693 Land $18,469 Building $164,224$182,693 Land $18,469 Building $164,224

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 97 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies97 in force
Nearby Flood Claims8 (2004–2022)
Claims Outside the SFHA4 of 8
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Sep 2022 · 2 claims
  • Hurricane Frances, Sep 2004 · 2 claims
  • Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 66% of the US · above 43% of Florida
Wildfire Likelihood0.4% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025

ProviderMax 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

Nearby Properties on Fernandez St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures