Polk County property record for 416 Cypress Cv, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,630 sqft · built 1971 |
| Lot Size | 0.202 acres (8,799 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $270,000 (Mar 2023) |
| Tax Bill | $2,171 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Jan 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-36-663000-000712 |
| Primary APN | 26-28-36-663000-000712 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,630 sqft Living Area |
| Gross Area | 1,890 sqft |
| 1st Floor Area | 1,350 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 8,799 sqft (0.202 acres) |
| Lot Dimensions | 110 ft deep x 80 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 540 sqft |
| Pool House | Pool House |
| Porch | Unfinished Open Porch |
| Porch Area | 110 sqft |
| Cooling System | Central |
|---|
| Street Address | 416 CYPRESS CV |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2509 |
| 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 E 110 FT OF W 390 FT OF S 80 FT OF N 195 FT OF SE1/4 OF NE1/4 OF SW1/4 KNOWN AS LOT 16 OF UNREC GARDEN GROVE HARBOR |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 36 |
| Legal Subdivision | FLORIDA HIGHLAND CO SUBDIVISION |
| Legal Tract | 16 |
| Legal Block | 3 |
| Legal Lot Number | 7 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 14001 |
416 Cypress Cv is owned and occupied by two individuals who bought it in March 2023.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 416 CYPRESS CV, WINTER HAVEN, FL 33884-2509 |
| 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.
| Date | Document |
|---|---|
| Mar 22, 2023 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 19, 2023 | Deed of Trust, Mortgage IRENE C BRYAN |
| Jun 30, 2022 | Warranty Deed, Transfer SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 22, 2023 · Amount on File |
| Deed Sale | Mar 22, 2023 · Amount on File |
| Prior Sale | Jun 30, 2022 · Amount on File |
| Deed Document Number | 202366707 |
| Deed Book / Page | 12625 / 29 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 22, 2023 |
| Property Address | 416 CYPRESS CV, WINTER HAVEN, FL 33884-2509 |
| Document Number | 0000066707 |
| Book / Page | 12625 / 29 |
| Instrument Date | Mar 9, 2023 |
| Instrument | 2023066707 |
| Transaction Type | Transfer |
| Record Updated | Apr 4, 2023 |
| Title Company | PARAMOUNT TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,890.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3603 JULIUS ESTATES BLVD, WINTER HAVEN, FL 33881-3821 |
| Name | Verified Name |
|---|---|
| Address | 416 CYPRESS CV, WINTER HAVEN, FL 33884-2509 |
| Document Number | 0001262531 |
|---|---|
| Date | Mar 22, 2023 |
| Instrument | 12625/31 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 416 CYPRESS CV, WINTER HAVEN, FL 33884-2509 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1876 CABIN RUN RD, GREENWOOD, WV 26415-7057 |
| Document Number | 0000013910 |
|---|---|
| Date | Jan 19, 2023 |
| Book Page | 12555/708 |
| Instrument | 2023013910 |
| Name | IRENE C BRYAN |
|---|---|
| Type | Private Party |
| Address | 6899 N SCENIC HWY, LAKE WALES, FL 33898 |
| Amount | Amount on Record |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 30, 2022 |
| Property Address | 416 CYPRESS CV, WINTER HAVEN, FL 33884-2509 |
| Document Number | 0000179431 |
| Book / Page | 12320 / 1013 |
| Instrument Date | Jun 27, 2022 |
| Instrument | 2022179431 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2022 |
| Title Company | SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Tax | $1,932.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 144 LAKE RING DR, 144, WINTER HAVEN, FL 33884-1438 |
| Name | Verified Name |
|---|---|
| Address | 3603 JULIUS ESTATES BLVD, WINTER HAVEN, FL 33881-3821 |
The 2025 property tax bill for 416 Cypress Cv was $2,171 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 | $249,610 (+22.2%) Land $30,800 Building $218,810 | $249,610 (+22.2%) Land $30,800 Building $218,810 | |
| 2025 | $2,171.00 Homeowner's exemption | $204,266 Land $30,800 Building $173,466 | $204,266 Land $30,800 Building $173,466 |
| 2023 | $3,276.00 (+130.06%) | $207,776 (+86.35%) Land $29,920 Building $177,856 | $207,776 (+17.72%) Land $29,920 Building $177,856 |
| 2022 | $1,424.00 | $111,500 | $176,504 Land $24,640 Building $151,864 |
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.
FEMA maps place 416 Cypress Cv 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (1998) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 1998 · Severe Storms, High Winds, Tornadoes, And Flooding |
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 416 Cypress Cv is moderate, ranking above 40% of the US, with a 0.08% annual chance of wildfire.
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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