Polk County property record for 417 Bayou Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,752 sqft · built 1971 |
| Lot Size | 0.211 acres (9,196 sqft) |
| Owner | Individual Name on File |
| Last Sale | $77,214 (Apr 2012) |
| Tax Bill | $581 (2025) |
| Deeds & Mortgages | Jul 2022 Line of Credit Jun 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-36-663000-000732 |
| Primary APN | 26-28-36-663000-000732 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,752 sqft Living Area |
| Gross Area | 2,256 sqft |
| 1st Floor Area | 1,752 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 9,196 sqft (0.211 acres) |
| Lot Dimensions | 115 ft deep x 80 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Cooling System | Central |
|---|
| Street Address | 417 BAYOU RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2552 |
| 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 115 FT OF W 505 FT OF S 80 FT OF N 275 FT OF SE1/4 OF NE1/4 OF SW1/4 BEING LOT 24 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 | 3 |
| Census Block | 3026 |
| Census Tract | 14001 |
417 Bayou Rd is owned and occupied by an individual who bought it in April 2012.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 417 BAYOU RD, WINTER HAVEN, FL 33884-2552 |
| 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 |
|---|---|
| Jul 11, 2022 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Jun 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| May 29, 2020 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Apr 1, 2019 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 30, 2012 · Amount on File |
| Deed Sale | Apr 30, 2012 · Amount on File |
| Deed Document Number | 201275835 |
| Deed Book / Page | 8637 / 819 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 417 BAYOU RD, WINTER HAVEN, FL 33884-2552 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Name | Verified Name |
|---|---|
| Address | 417 BAYOU RD, WINTER HAVEN, FL 33884-2552 |
| Document Number | 0000188215 |
|---|---|
| Date | Jul 11, 2022 |
| Book Page | 12332/2132 |
| Instrument | 2022188215 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28277 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 417 BAYOU RD, WINTER HAVEN, FL 33884-2552 |
| Transaction Type | Mortgage |
| Record Updated | Jul 6, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000164048 |
|---|---|
| Date | Jun 23, 2021 |
| Book Page | 11774/1797 |
| Instrument | 2021164048 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 417 BAYOU RD, WINTER HAVEN, FL 33884-2552 |
| Document Number | 0112531812 |
| Instrument Date | May 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 417 BAYOU RD WINTER HAVEN FL 338842552, WINTER HAVEN, FL 33884-2552 |
| Document Number | 0112531812 |
|---|---|
| Date | Jun 4, 2020 |
| Book Page | 011253/001812 |
| Instrument | 110569 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 3, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 417 BAYOU RD, WINTER HAVEN, FL 33884-2552 |
| Document Number | 0108021596 |
| Instrument Date | Apr 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 417 BAYOU RD WINTER HAVEN FL 338842552, WINTER HAVEN, FL 33884-2552 |
| Document Number | 0108021596 |
|---|---|
| Date | Apr 8, 2019 |
| Book Page | 010802/001596 |
| Instrument | 70110 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 7, 2049 |
The 2025 property tax bill for 417 Bayou Rd was $581 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 | $86,641 (+2.7%) | $216,105 (-1.89%) Land $32,200 Building $183,905 | |
| 2025 | $581.00 Homeowner's exemption | $84,363 | $220,266 Land $32,200 Building $188,066 |
| 2023 | $1,061.00 (+5.26%) Homeowner's exemption | $79,597 (+3%) | $224,750 (+11.55%) Land $31,280 Building $193,470 |
| 2022 | $1,008.00 Homeowner's exemption | $77,279 | $201,487 Land $25,760 Building $175,727 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 417 Bayou Rd in Zone X, an area of minimal flood risk, within 100 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 100 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 417 Bayou Rd 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures