Polk County property record for 417 Flagler Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,784 sqft · built 1979 |
| Lot Size | 0.448 acres (19,502 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $251,000 (Mar 2020) |
| Tax Bill | $2,755 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Aug 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-27-000000-042850 |
| Primary APN | 26-28-27-000000-042850 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,784 sqft Living Area |
| 1st Floor Area | 2,784 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 19,502 sqft (0.448 acres) |
| Lot Dimensions | 195 ft deep x 100 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Detached |
| Garage Area | 504 sqft |
| Pool Area | 576 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 246 sqft |
| Street Address | 417 FLAGLER RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-1002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | BEG 1055 FT N & 385 FT W OF S1/4 COR OF SEC RUN N 100 FT E 190 FT S 05 DEG 42 MIN E 100.50 FT W 200 FT TO POB BEING LOT 475 OF UNREC VALENCIAWOOD HILLS |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 27 |
| Legal Subdivision | LAKE LINK ESTATES |
| Legal Tract | 000000 |
| Legal Block | 1 |
| Legal Lot Number | 475,O |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 13902 |
Source: Polk County records, as of June 23, 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 FLAGLER RD, WINTER HAVEN, FL 33884-1002 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 30, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Aug 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Mar 10, 2020 | Warranty Deed, Transfer · Conventional with PMI SYNOVUS BK |
| Nov 20, 2017 | Deed of Trust, Mortgage · Line of Credit USF FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 10, 2020 · Amount on Record |
| Deed Sale | Mar 10, 2020 · Amount on Record |
| Prior Sale | Mar 28, 2003 · Amount on Record |
| Deed Document Number | 202055661 |
| Deed Book / Page | 11170 / 2234 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 417 FLAGLER RD, WINTER HAVEN, FL 33884-1002 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 417 FLAGLER RD, WINTER HAVEN, FL 33884-1002 |
| Document Number | 0000178798 |
|---|---|
| Date | Jun 30, 2022 |
| Book Page | 12319/1017 |
| Instrument | 2022178798 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 21, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 417 FLAGLER RD, WINTER HAVEN, FL 33884-1002 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2021 |
| Title Company | ELEVATED TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0000215454 |
|---|---|
| Date | Aug 18, 2021 |
| Book Page | 11853/648 |
| Instrument | 2021215454 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 10, 2020 |
| Property Address | 417 FLAGLER RD, WINTER HAVEN, FL 33884-1002 |
| Document Number | 0111702234 |
| Book / Page | 011170 / 002234 |
| Instrument Date | Mar 5, 2020 |
| Instrument | 55661 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2020 |
| Title Company | OAK HARBOR TITLE SERVICES LLC, OAK HARBOR TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,757.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 417 FLAGLER RD WINTER HAVEN FL 338841002, WINTER HAVEN, FL 33884-1002 |
| Document Number | 111702236 |
|---|---|
| Date | Mar 10, 2020 |
| Book Page | 011170/002236 |
| Instrument | 55662 |
| Name | SYNOVUS BK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35209 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 9, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 417 FLAGLER RD, WINTER HAVEN, FL 33884-1002 |
| Document Number | 0103241530 |
| Book / Page | 010324 / 001530 |
| Instrument Date | Nov 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 417 FLAGLER RD WINTER HAVEN FL 338841002, WINTER HAVEN, FL 33884-1002 |
| Document Number | 0103241530 |
|---|---|
| Date | Nov 28, 2017 |
| Book Page | 010324/001530 |
| Instrument | 227485 |
| Name | USF FCU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33612 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 27, 2042 |
| Rate Type | Adjustable Rate |
|---|
Source: Polk County assessment roll, as of June 23, 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 |
|---|---|---|---|
| 2025 | $2,755.00 (-11.44%) Homeowner's exemption | $248,375 (+5.99%) | $399,216 (+1.12%) Land $79,277 Building $319,939 |
| 2023 | $3,111.00 (+1.04%) Homeowner's exemption | $234,345 (+3%) | $394,811 (+28.85%) Land $77,402 Building $317,409 |
| 2022 | $3,079.00 Homeowner's exemption | $227,519 | $306,419 Land $35,000 Building $271,419 |
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 3 (2004–2022) |
| Claims Outside the SFHA | 3 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 | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 192 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures