417 Fernandez St, Winter Haven, FL 33880 Property Records

Polk County property record for 417 Fernandez St, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,730 sqft · built 2006
Lot Size	0.68 acres (29,621 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Oct 2022)
Tax Bill	$2,495 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-28-691003-000090`

Property Details

APN / Parcel Number

Primary APN	`26-29-28-691003-000090`
Alternative APNs	`282926691003000090` `82926000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,730 sqft Living Area
Gross Area	2,130 sqft
1st Floor Area	1,730 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	29,621 sqft (0.68 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Porch	Unfinished Open Porch
Porch Area	40 sqft

Location & Zoning

Street Address	417 FERNANDEZ ST
City	WINTER HAVEN
State	FL
Zip	33880-6143
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIDGE ACRES PHASE IV UNIT I PB 115 PGS 26 & 27 LOT 9
Legal Range	26E
Legal Township	29S
Legal Section	28
Legal Subdivision	RIDGE ACRES PHASE IV UNIT 1
Legal Phase	IV
Legal Tract	691003
Legal Block	4
Legal Lot Number	9
Legal Unit	1
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4050
Census Tract	14501

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 Record	Individual Name on Record
Mailing Address	417 FERNANDEZ ST, WINTER HAVEN, FL 33880-6143
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2022 · Amount on Record
Deed Sale	Oct 25, 2022 · Amount on Record
Prior Sale	Aug 25, 2006 · Amount on Record
Deed Document Number	2022281278
Deed Book / Page	12461 / 1700
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 26, 2022
Property Address	417 FERNANDEZ ST, WINTER HAVEN, FL 33880-6143
Document Number	0000281278
Book / Page	12461 / 1700
Map Reference	MB 115 PG 26&27
Instrument Date	Oct 18, 2022
Instrument	2022281278
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	SUNNY TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17105 RESERVE CT, DAVIE, FL 33331-3526

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 FERNANDEZ ST, WINTER HAVEN, FL 33880-6143

Mortgage

Document Number	0000281279
Date	Oct 26, 2022
Book Page	12461/1702
Instrument	2022281279

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$226,835 (-2.74%) Land $27,200 Building $199,635	$226,835 (-2.74%) Land $27,200 Building $199,635
2025	$2,495.00 (-30.37%) Homeowner's exemption	$233,223 (-1.59%) Land $27,200 Building $206,023	$233,223 (-1.59%) Land $27,200 Building $206,023
2023	$3,583.00 (+29.68%)	$236,980 (+18.63%) Land $20,400 Building $216,580	$236,980 (+18.63%) Land $20,400 Building $216,580
2022	$2,763.00	$199,762 Land $17,204 Building $182,558	$199,762 Land $17,204 Building $182,558

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 97 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	97 in force
Nearby Flood Claims	8 (2004–2022)
Claims Outside the SFHA	4 of 8
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 2 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 claims

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 Risk	High above 71% of the US · above 53% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 108 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
T-Mobile Fixed Wireless	100 / 20