421 Ave A NE, Winter Haven, FL 33881 Property Records

Polk County property record for 421 Ave A NE, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 1951
Lot Size	0.241 acres (10,498 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (May 2018)
Tax Bill	$2,950 (2025)
Deeds & Mortgages	May 2023 Line of Credit Jan 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-28-604000-005191`

Property Details

APN / Parcel Number

Primary APN	`26-28-28-604000-005191`
Alternative APNs	`282826604000005191` `82826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	10,498 sqft (0.241 acres)
Lot Dimensions	140 ft deep x 59 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	252 sqft
Carport	Carport
Carport Area	252 sqft
Porch	Screened/Unfinished Porch
Porch Area	120 sqft
Utility Building	48 sqft

Location & Zoning

Street Address	421 AVENUE A NE
City	WINTER HAVEN
State	FL
Zip	33881-4750
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	REVISED MAP OF FERNWOOD ADDITION PB 3 PG 77 E 34 FT OF LOT 19 & W 41 FT OF LOT 20 BLK 5
Legal Range	26E
Legal Township	28S
Legal Section	28
Legal Subdivision	FERNWOOD ADDITION REVISED MAP OF
Legal Tract	604000
Legal Block	5
Legal Lot Number	19,20
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2024
Census Tract	13702

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Winter Haven Heights Historic Residential District listed 2000 · 147 contributing resources · NRIS 00000660

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

421 Ave A NE is owned by an individual who bought it in May 2018.

Source: Polk County records, as of September 28, 2026

Owner of Record	Individual Name on File
Mailing Address	1631 COWART RD, PLANT CITY, FL 33567-3615
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.

Deeds, Mortgages & Sale History

Date	Document
May 17, 2023	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Jan 14, 2020	Deed of Trust, Mortgage · Line of Credit CENTERSTATE BK NA
May 15, 2018	Grant Deed, Transfer FIRST INT'L TITLE
May 3, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2018 · Amount on File
Deed Sale	May 15, 2018 · Amount on File
Prior Sale	May 3, 2017 · Amount on File
Deed Document Number	2018103600
Deed Book / Page	10485 / 730
Prior Transfer Date	May 2, 2017
Prior Transfer Doc	0000084136
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	421 AVENUE A NE, WINTER HAVEN, FL 33881-4750
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1631 COWAN ROAD, PLANT CITY, FL 33567

Mortgage

Document Number	0000115168
Date	May 17, 2023
Book Page	12694/899
Instrument	2023115168

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	SEFFNER, FL 33583

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	May 20, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	421 AVENUE A NE, WINTER HAVEN, FL 33881-4750
Document Number	0111221587
Instrument Date	Jan 14, 2020
Transaction Type	Mortgage
Record Updated	Feb 21, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1631 COWART RD PLANT CITY FL 335673615, PLANT CITY, FL 33567-3615

Mortgage

Document Number	0111221587
Date	Jan 29, 2020
Book Page	011122/001587
Instrument	21552

Lender

Name	CENTERSTATE BK NA
Type	Bank
Address	PLANT CITY, FL 33563

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 28, 2030

Interest

Rate Type	Adjustable Rate

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	May 15, 2018
Property Address	421 AVENUE A NE, WINTER HAVEN, FL 33881-4750
Document Number	0104850730
Book / Page	010485 / 000730
Instrument Date	May 14, 2018
Instrument	103600
Transaction Type	Transfer
Record Updated	Jun 8, 2018
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount on Record
Tax	$525.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1631 COWART RD PLANT CITY FL 335673615, PLANT CITY, FL 33567-3615

May 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	POLK FL
Recording Date	May 3, 2017
Property Address	421 AVENUE A NE, WINTER HAVEN, FL 33881-4750
Document Number	0101351790
Book / Page	010135 / 001790
Instrument Date	May 2, 2017
Instrument	84136
Transaction Type	Foreclosure
Record Updated	Jun 28, 2017

Transaction

Amount	Amount on Record
Tax	$203.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 421 Ave A NE was $2,950, up 5.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$165,042 (+9.77%) Land $32,744 Building $132,298	$165,042 (-1.44%) Land $32,744 Building $132,298
2025	$2,950.00 (+5.55%)	$150,350	$167,447 Land $32,744 Building $134,703
2024	$2,795.00 (+6.31%)
2023	$2,629.00 (+11.49%)	$168,016 (+17.97%) Land $27,870 Building $140,146	$168,016 (+17.97%) Land $27,870 Building $140,146
2022	$2,358.00	$142,428 Land $23,246 Building $119,182	$142,428 Land $23,246 Building $119,182

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 421 Ave A NE in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2026.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2026)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2026 · rainfall accumulation

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

Wildfire risk around 421 Ave A NE is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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 · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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