Polk County property record for 416 Bayou Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,038 sqft · built 1971 |
| Lot Size | 0.239 acres (10,389 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $250,000 (Jul 2025) |
| Tax Bill | $1,329 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Jul 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-36-663000-000717 |
| Primary APN | 26-28-36-663000-000717 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,038 sqft Living Area |
| Gross Area | 1,588 sqft |
| 1st Floor Area | 1,038 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 | Gable |
| Roof Material | Metal |
| Lot Area | 10,389 sqft (0.239 acres) |
| Lot Dimensions | 130 ft deep x 80 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 550 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 12 sqft |
| Cooling System | Central |
|---|
| Street Address | 416 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 27 LOT 7 S 80 FT OF N 275 FT OF SE1/4 OF NE1/4 OF SW1/4 LESS W 535 FT KNOWN AS LOT 29 OF UNREC GARDEN GROVE HARBOR |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 36 |
| Legal Subdivision | FLORIDA HIGHLAND CO SUBDIVISION |
| Legal Tract | 663000 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1291 DIXIE DR, AUBURNDALE, FL 33823-8339 |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Aug 31, 2022 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Jul 20, 2020 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC |
| Nov 6, 2018 | Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESID'L MTG |
| Jan 25, 2017 | Warranty Deed, Transfer · FHA Mortgage THE MTG FIRM |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 18, 2025 · Amount on Record |
| Deed Sale | Jul 18, 2025 · Amount on Record |
| Prior Sale | Nov 6, 2018 · Amount on Record |
| Deed Document Number | 2025168522 |
| Deed Book / Page | 13630 / 650 |
| Transfer Doc | 3606001516 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 416 BAYOU RD, WINTER HAVEN, FL 33884-2507 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2022 |
| Name | Verified Name |
|---|---|
| Address | 416 BAYOU RD, WINTER HAVEN, FL 33884-2507 |
| Document Number | 0000237483 |
|---|---|
| Date | Aug 31, 2022 |
| Book Page | 12401/1335 |
| Instrument | 2022237483 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 416 BAYOU RD, WINTER HAVEN, FL 33884-2507 |
| Document Number | 0113301490 |
| Instrument Date | Jul 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 416 BAYOU RD WINTER HAVEN FL 338842507, WINTER HAVEN, FL 33884-2507 |
| Document Number | 0113301490 |
|---|---|
| Date | Aug 11, 2020 |
| Book Page | 011330/001490 |
| Instrument | 162176 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 10, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 6, 2018 |
| Property Address | 416 BAYOU RD, WINTER HAVEN, FL 33884-2507 |
| Document Number | 0106630944 |
| Book / Page | 010663 / 000944 |
| Instrument Date | Nov 2, 2018 |
| Instrument | 233233 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2018 |
| Title Company | EASY TITLE COMPANY LLC, EASY TITLE CO LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,050.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 416 BAYOU RD WINTER HAVEN FL 338842507, WINTER HAVEN, FL 33884-2507 |
| Document Number | 106630946 |
|---|---|
| Date | Nov 6, 2018 |
| Book Page | 010663/000946 |
| Instrument | 233234 |
| Name | PARAMOUNT RESID'L MTG |
|---|---|
| Type | Mortgage Company |
| Address | CORONA, CA 92879 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 5, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 25, 2017 |
| Property Address | 416 BAYOU RD, WINTER HAVEN, FL 33884-2507 |
| Document Number | 0100470789 |
| Book / Page | 010047 / 000789 |
| Instrument Date | Jan 24, 2017 |
| Instrument | 15136 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2017 |
| Title Company | REAL ESTATE TITLE, REAL ESTATE TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $696.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 416 BAYOU RD WINTER HAVEN FL 338842507, WINTER HAVEN, FL 33884-2507 |
| Document Number | 100470790 |
|---|---|
| Date | Jan 25, 2017 |
| Book Page | 010047/000790 |
| Instrument | 15137 |
| Name | THE MTG FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 24, 2047 |
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 | $176,911 (+25.68%) Land $36,400 Building $140,511 | $176,911 (-0.27%) Land $36,400 Building $140,511 | |
| 2025 | $1,329.00 (-23%) | $140,767 (+5.99%) | $177,398 (-1.4%) Land $36,400 Building $140,998 |
| 2023 | $1,726.00 (+3.79%) Homeowner's exemption | $132,816 (+3%) | $179,920 (+13.04%) Land $35,360 Building $144,560 |
| 2022 | $1,663.00 Homeowner's exemption | $128,948 | $159,165 Land $29,120 Building $130,045 |
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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