Polk County property record for 420 Suwannee Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,492 sqft · built 1974 |
| Lot Size | 0.273 acres (11,905 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $277,635 (Oct 2022) |
| Tax Bill | $3,299 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage Apr 2020 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-34-659500-004561 |
| Primary APN | 26-28-34-659500-004561 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 2,492 sqft Living Area |
| Gross Area | 2,975 sqft |
| 1st Floor Area | 1,521 sqft |
| Upper Floors Area | 651 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 11,905 sqft (0.273 acres) |
| Lot Dimensions | 150 ft deep x 80 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 450 sqft |
| Porch | Florida Room |
| Porch Area | 376 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 420 SUWANNEE RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-1416 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | ELOISE WOODS EAST LAKE MARIAM UNIT PB 19 PGS 32 32A IN S34/35 T28 R26 LOTS 456 NLY 20 FT & 457 BEING LOT 127 OF UNREC VALENCIA WOOD |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 34 |
| Legal Subdivision | ELOISE WOODS EAST LAKE MARIAM UNIT |
| Legal Tract | 659500 |
| Legal Block | 2 |
| Legal Lot Number | 456 |
| Legal Unit | PB |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 13902 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 420 SUWANNEE RD, WINTER HAVEN, FL 33884-1416 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 5, 2022 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Apr 27, 2020 | Warranty Deed, Transfer SPRUCE TITLE |
| Jul 6, 2017 | Deed of Trust, Mortgage · FHA Mortgage SECURE ONE CAP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 5, 2022 · Amount on Record |
| Deed Sale | Oct 5, 2022 · Amount on Record |
| Prior Sale | Apr 27, 2020 · Amount on Record |
| Deed Document Number | 2022264988 |
| Deed Book / Page | 12439 / 2128 |
| Prior Transfer Date | Jan 1, 2003 |
| Prior Transfer Doc | 5333001523 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 5, 2022 |
| Property Address | 420 SUWANNEE RD, WINTER HAVEN, FL 33884-1416 |
| Document Number | 0000264988 |
| Book / Page | 12439 / 2128 |
| Map Reference | MB 19 PG 32&32A |
| Instrument Date | Sep 14, 2022 |
| Instrument | 2022264988 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 17, 2022 |
| Title Company | FLAGSHIP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,943.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 300 MONTGOMERY ST STE 350, 300, SAN FRANCISCO, CA 94104-1925 |
| Name | Verified Name |
|---|---|
| Address | 420 SUWANNEE RD, WINTER HAVEN, FL 33884-1416 |
| Document Number | 0124392131 |
|---|---|
| Date | Oct 5, 2022 |
| Instrument | 12439/2131 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 27, 2020 |
| Property Address | 420 SUWANNEE RD, WINTER HAVEN, FL 33884-1416 |
| Document Number | 0112170453 |
| Book / Page | 011217 / 000453 |
| Instrument Date | Mar 30, 2020 |
| Instrument | 86314 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2020 |
| Title Company | SPRUCE TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,785.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 300 MONTGOMERY ST #1200 SAN FRANCISCO CA 941041914, 1200, SAN FRANCISCO, CA 94104-1914 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 420 SUWANNEE RD, WINTER HAVEN, FL 33884-1416 |
| Document Number | 0102021733 |
| Book / Page | 010202 / 001733 |
| Instrument Date | Jul 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 420 SUWANNEE RD WINTER HAVEN FL 338841416, WINTER HAVEN, FL 33884-1416 |
| Document Number | 0102021733 |
|---|---|
| Date | Jul 13, 2017 |
| Book Page | 010202/001733 |
| Instrument | 132897 |
| Name | SECURE ONE CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | COSTA MESA, CA 92626 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 12, 2047 |
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 | $292,714 (+1.16%) Land $41,800 Building $250,914 | $292,714 (+1.16%) Land $41,800 Building $250,914 | |
| 2025 | $3,299.00 (-15.82%) | $289,371 (-2.04%) Land $41,800 Building $247,571 | $289,371 (-2.04%) Land $41,800 Building $247,571 |
| 2023 | $3,919.00 (+0.03%) Homeowner's exemption | $295,404 (+8.71%) Land $40,700 Building $254,704 | $295,404 (+8.71%) Land $40,700 Building $254,704 |
| 2022 | $3,918.00 | $271,747 Land $34,080 Building $237,667 | $271,747 Land $34,080 Building $237,667 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 25 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 25 in force |
| Nearby Flood Claims | 2 (2004) |
| Most Recent Claim | Sep 2004 · Hurricane Frances |
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 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 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 308 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 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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