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421 2nd St NW, Winter Haven, FL 33881 Property Records

Polk County property record for 421 2nd St NW, Winter Haven, FL 33881

Property Summary

Property TypeCommercial
Details3 bd · 2 ba · 1,618 sqft · built 1937
Lot Size0.188 acres (8,181 sqft)
Owner2 Individual Names on Record
Last Sale$50,300 (Apr 2012)
Tax Bill$1,200 (2025)
Deeds & MortgagesSep 2026 Sale
Jan 2019 Construction Loan
Flood ZoneZone X (minimal risk)
APN26-28-20-554000-008190

Property Details

APN / Parcel Number

Primary APN26-28-20-554000-008190
Alternative APNs
  • 202826554000008190
  • 02826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,618 sqft Gross Area
1st Floor Area1,530 sqft
FlooringTile
Interior WallsPlaster
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1937
Effective Year BuiltEffective 1937
Exterior MaterialWood
Construction TypeWood
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area8,181 sqft (0.188 acres)
Lot Dimensions110 ft deep x 75 ft wide
View / LotCommercial
Garage TypeDetached
Garage Area256 sqft
PorchSlab
Porch Area88 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address421 2ND ST NW
CityWINTER HAVEN
StateFL
Zip33881-4168
Property CategoryCommercial
Property TypeCommercial > Retail
Local Zoning CodeBR
Legal DescriptionSILVER SHORES PB 19 PGS 36 36A BLK 8 LOTS 19 20 & 21 S20/29 T28 R26
Legal Range26E
Legal Township28S
Legal Section20
Legal SubdivisionSILVER SHORES
Legal Tract554000
Legal Block8
Legal Lot Number19
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group1
Census Block1028
Census Tract13701

Owner

Source: Polk County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address815 HART LAKE ST, WINTER HAVEN, FL 33884-4161
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Sep 25, 2026Warranty Deed, Transfer
NONE LISTED ON DOCUMENT
Jan 4, 2019Trustee's Deed, Construction Loan · Construction Mortgage
DC CONCEPTS CONST & DESIGN LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 10, 2012 · Amount on Record
Deed SaleApr 10, 2012 · Amount on Record
Prior SaleSep 11, 2001 · Amount on Record
Deed Document Number201263250
Deed Book / Page8622 / 1671
Last Transfer DateSep 14, 2026
Transfer Doc0000232749
Record UpdatedOct 29, 2026

September 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateSep 25, 2026
Property Address421 2ND ST NW, WINTER HAVEN, FL 33881-4168
Document Number0000232749
Book / Page14167 / 1064
Instrument DateSep 14, 2026
Instrument2026232749
Transaction TypeTransfer
Record UpdatedOct 8, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
Tax$70.70
Amount AccuracyFull Amount Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address815 HART LAKE ST, WINTER HAVEN, FL 33884-4161

January 2019: Trustee's Deed, Construction Loan

Document TypeTrustee's Deed
JurisdictionPOLK FL
Recording DateJan 4, 2019
Property Address421 2ND ST NW, WINTER HAVEN, FL 33881-4168
Document Number0107151411
Book / Page010715 / 001411
Instrument DateOct 26, 2018
Instrument2421
Transaction TypeConstruction Loan
Record UpdatedJan 24, 2019
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address421 N 2ND ST HAINES CITY FL 338444137, HAINES CITY, FL 33844-4137

Mortgage

Document Number107151411
DateJan 4, 2019
Book Page010715/001411
Instrument2421
Lender
NameDC CONCEPTS CONST & DESIGN LLC
Address501 N ORLANDO AVE # 313-31, WINTER PARK, FL 32789-7310
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term12 Months
DueJan 3, 2020
Interest
Rate18%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$69,442 (+1%)$73,937 (+17.12%) Land $40,910 Building $33,027
2025$1,200.00 (-2.91%)$63,129 (-1.68%) Land $31,092 Building $32,037$63,129 (-1.68%) Land $31,092 Building $32,037
2023$1,236.00 (+3.69%)$64,206 (+3.17%) Land $31,092 Building $33,114$64,206 (+3.17%) Land $31,092 Building $33,114
2022$1,192.00$62,235 Land $31,092 Building $31,143$62,235 Land $31,092 Building $31,143

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
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies1 in force

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 RiskNot rated
no burnable land within ember reach

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 166 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
AT&T
Fixed Wireless		100 / 20

May also be available: Frontier, T-Mobile, Verizon.

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