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  5. Flagler Rd

416 Flagler Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 416 Flagler Rd, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,801 sqft · built 1978
Lot Size0.344 acres (15,002 sqft)
OwnerIndividual Name on Record
Last Sale$267,500 (Oct 2018)
Tax Bill$2,854 (2025)
Deeds & MortgagesSep 2021 Mortgage
Oct 2018 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN26-28-27-000000-042810

Property Details

APN / Parcel Number

Primary APN26-28-27-000000-042810
Alternative APNs
  • 272826000000042810
  • 72826000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,801 sqft Living Area
Gross Area3,320 sqft
1st Floor Area2,801 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1978
Effective Year BuiltEffective 1978
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area15,002 sqft (0.344 acres)
Lot Dimensions150 ft deep x 100 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area519 sqft
Pool Area450 sqft
PorchUnfinished Open Porch
Porch Area48 sqft

Location & Zoning

Street Address416 FLAGLER RD
CityWINTER HAVEN
StateFL
Zip33884-1024
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionBEG 610 FT N & 435 FT W OF S1/4 COR OF SEC RUN W 150 FT N 100 FT E 150 FT S 100 FT TO POB BEING LOT 409 OF UNREC VALENCIA WOOD HILLS
Legal Range26E
Legal Township28S
Legal Section27
Legal SubdivisionLAKE LINK ESTATES
Legal Tract000000
Legal Block1
Legal Lot Number409
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group1
Census Block1036
Census Tract13902

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 RecordIndividual Name on Record
Mailing Address416 FLAGLER RD, WINTER HAVEN, FL 33884-1024
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 10, 2021Deed of Trust, Mortgage · Conventional Mortgage
FBC MORTGAGE LLC
Oct 4, 2018Warranty Deed, Transfer · Conventional with PMI
JP MORGAN CHASE BK
Aug 13, 2018Grant Deed, Mortgage · Line of Credit
CITIZENS BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 4, 2018 · Amount on Record
Deed SaleOct 4, 2018 · Amount on Record
Prior SaleDec 28, 2011 · Amount on Record
Deed Document Number2018210571
Deed Book / Page10632 / 2134
Record UpdatedOct 29, 2026

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address416 FLAGLER RD, WINTER HAVEN, FL 33884-1024
Transaction TypeMortgage
Record UpdatedAug 2, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address416 FLAGLER RD, WINTER HAVEN, FL 33884-1024

Mortgage

Document Number0000236997
DateSep 10, 2021
Book Page11887/359
Instrument2021236997
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
AddressORLANDO, FL 32801
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2051

October 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateOct 4, 2018
Property Address416 FLAGLER RD, WINTER HAVEN, FL 33884-1024
Document Number0106322134
Book / Page010632 / 002134
Instrument DateSep 28, 2018
Instrument210571
Transaction TypeTransfer
Record UpdatedOct 19, 2018
Title CompanyHOME SOLUTION TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,872.50
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address416 FLAGLER RD WINTER HAVEN FL 338841024, WINTER HAVEN, FL 33884-1024

Mortgage

Document Number106322136
DateOct 4, 2018
Book Page010632/002136
Instrument210572
Lender
NameJP MORGAN CHASE BK
TypeBank
AddressCOLUMBUS, OH 43240-2050
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueOct 3, 2048

August 2018: Grant Deed, Mortgage

Document TypeGrant Deed
JurisdictionPOLK FL
Recording DateAug 13, 2018
Property Address416 FLAGLER RD, WINTER HAVEN, FL 33884-1024
Document Number0105792273
Book / Page010579 / 002273
Instrument DateJul 23, 2018
Instrument172281
Transaction TypeMortgage
Record UpdatedSep 21, 2018
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address416 FLAGLER RD WINTER HAVEN FL 338841024, WINTER HAVEN, FL 33884-1024

Mortgage

Document Number105792273
DateAug 13, 2018
Book Page010579/002273
Instrument172281
Lender
NameCITIZENS BK
TypeBank
AddressFROSTPROOF, FL 33843
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

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$262,735 (+2.7%)$388,204 (+0.18%) Land $64,509 Building $323,695
2025$2,854.00 (-10.53%) Homeowner's exemption$255,828 (+5.99%)$387,490 (+0.91%) Land $64,509 Building $322,981
2023$3,190.00 (+2.7%) Homeowner's exemption$241,377 (+3%)$383,993 (+27.22%) Land $63,009 Building $320,984
2022$3,106.00 Homeowner's exemption$234,347$301,831 Land $35,000 Building $266,831

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
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 18 policies
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 · 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.

Wildfire

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

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 192 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20

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