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415 Flagler Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 415 Flagler Rd, Winter Haven, FL 33884 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,893 sqft · built 1977
Lot Size0.327 acres (14,248 sqft)
Owner2 Individual Names on File
Last Sale$370,000 (Jul 2025)
Tax Bill$4,066 (2025)
Deeds & MortgagesDec 2025 Line of Credit
Dec 2018 Loan Modification
Flood ZoneZone X (minimal risk)
APN26-28-27-000000-042760

Property Details

APN / Parcel Number

Primary APN26-28-27-000000-042760
Alternative APNs
  • 272826000000042760
  • 72826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,893 sqft Living Area
Gross Area2,438 sqft
1st Floor Area1,893 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1977
Effective Year BuiltEffective 1977
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area14,248 sqft (0.327 acres)
Lot Dimensions150 ft deep x 95 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area545 sqft

Exterior Amenities

Pool TypeEnclosed Pool
Pool Area450 sqft
PorchSlab
Porch Area60 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address415 FLAGLER RD
CityWINTER HAVEN
StateFL
Zip33884-1002
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBEG 960 FT N & 389 FT W OF S1/4 COR OF SEC RUN N 95 FT E 150 FT S 95 FT W 150 FT TO POB BEING LOT 476 OF UNREC VALENCIA WOOD HILLS
Legal Range26E
Legal Township28S
Legal Section27
Legal SubdivisionLAKE LINK ESTATES
Legal Tract000000
Legal Block1
Legal Lot Number476
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group1
Census Block1038
Census Tract13902

Owner

Source: Polk County records · APN 26-28-27-000000-042760

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 Record2 Individual Names on File
Mailing Address415 FLAGLER RD, WINTER HAVEN, FL 33884-1002
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Dec 23, 2025Deed of Trust, Mortgage · Line of Credit
PNC BANK NA
Dec 18, 2018Loan Modification, Mortgage · Conventional Mortgage
CENTERSTATE BK NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 14, 2025 · Amount on Record
Deed SaleJul 14, 2025 · Amount on Record
Prior SaleSep 16, 2013 · Amount on Record
Deed Document Number2025163502
Deed Book / Page13622 / 2083
Record UpdatedSep 20, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address415 FLAGLER RD, WINTER HAVEN, FL 33884-1002
Transaction TypeMortgage
Record UpdatedJan 13, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address415 FLAGLER RD, WINTER HAVEN, FL 33884-1002

Mortgage

Document Number0000301038
DateDec 23, 2025
Book Page13823/51
Instrument2025301038
Lender
NamePNC BANK NA
TypeBank
AddressWILMINGTON, DE 19801
Agreement
TypeLine of Credit
AmountAmount Recorded
Term480 Months
DueDec 15, 2065
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

December 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPOLK FL
Property Address415 FLAGLER RD, WINTER HAVEN, FL 33884-1002
Document Number0107261395
Instrument DateDec 18, 2018
Transaction TypeMortgage
Record UpdatedJan 31, 2019
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address415 FLAGLER RD WINTER HAVEN FL 338841002, WINTER HAVEN, FL 33884-1002

Mortgage

Document Number0107261395
DateJan 17, 2019
Book Page010726/001395
Instrument11114
Lender
NameCENTERSTATE BK NA
TypeBank
AddressLAKE WALES, FL 33853
Agreement
TypeConventional Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$4,066.00 (+106.08%)$306,782 (+103.06%) Land $61,268 Building $245,514$306,782 (+1.62%) Land $61,268 Building $245,514
2023$1,973.00 (+3.52%) Homeowner's exemption$151,079 (+3%)$301,905 (+28.73%) Land $59,844 Building $242,061
2022$1,906.00 Homeowner's exemption$146,679$234,521 Land $35,000 Building $199,521

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050139021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 18 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies18 in force
Nearby Flood Claims3 (2004–2022)
Claims Outside the SFHA3 of 3
Most Recent ClaimSep 2022, river or lake flooding, Hurricane Ian

Wildfire

Wildfire RiskLow
above 1% of the US · above 1% of Florida
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 192 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber7,000 / 7,000
SpectrumCable1,000 / 50
VerizonFixed Wireless300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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