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424 Bayou Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 424 Bayou Rd, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,080 sqft · built 1971
Lot Size0.262 acres (11,413 sqft)
OwnerIndividual Name on Record
Last Sale$250,000 (Jun 2022)
Tax Bill$2,446 (2025)
Deeds & MortgagesJun 2022 Sale & Mortgage
Feb 2022 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN26-28-36-663000-000716

Property Details

APN / Parcel Number

Primary APN26-28-36-663000-000716
Alternative APNs
  • 362826663000000716
  • 62826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,080 sqft Living Area
Gross Area1,614 sqft
1st Floor Area1,080 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1971
Effective Year BuiltEffective 1991
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area11,413 sqft (0.262 acres)
Lot Dimensions127 ft deep x 90 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area534 sqft
PorchFinished/Open Porch
Porch Area50 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address424 BAYOU RD
CityWINTER HAVEN
StateFL
Zip33884-2507
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionFLA HIGHLANDS CO SUB PB 3 PG 27 LOT 7 S 90 FT OF N 115 FT OF SE1/4 OF NE1/4 OF SW1/4 LESS W 535 FT KNOWN AS LOT 27 OF UNREC GARDEN GROVE HARBOR
Legal Range26E
Legal Township28S
Legal Section36
Legal SubdivisionFLORIDA HIGHLAND CO SUBDIVISION
Legal Tract663000
Legal Block2
Legal Lot Number7
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2011
Census Tract14001

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 RecordIndividual Name on Record
Mailing Address424 BAYOU RD, WINTER HAVEN, FL 33884-2507
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 6, 2022Warranty Deed, Transfer · VA Mortgage
MORTGAGE RESEARCH CENTER LLC
Feb 8, 2022Warranty Deed, Transfer
OS NATIONAL LLC
Apr 1, 2021Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 6, 2022 · Amount on Record
Deed SaleJun 6, 2022 · Amount on Record
Prior SaleFeb 8, 2022 · Amount on Record
Deed Document Number2022154149
Deed Book / Page12285 / 470
Prior Transfer DateMar 31, 2021
Prior Transfer Doc0000082822
Record UpdatedOct 29, 2026

June 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJun 6, 2022
Property Address424 BAYOU RD, WINTER HAVEN, FL 33884-2507
Document Number0000154149
Book / Page12285 / 470
Instrument DateMay 31, 2022
Instrument2022154149
Transaction TypeTransfer
Record UpdatedJun 20, 2022
Title CompanyOS NATIONAL LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,750.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address410 N SCOTTSDALE RD # RD1600, 410, TEMPE, AZ 85281-7094

Transferred To (Grantee/Buyer)

NameVerified Name
Address424 BAYOU RD, WINTER HAVEN, FL 33884-2507

Mortgage

Document Number0012285472
DateJun 6, 2022
Instrument12285/472
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2052

February 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateFeb 8, 2022
Property Address424 BAYOU RD, WINTER HAVEN, FL 33884-2507
Document Number0000035313
Book / Page12108 / 1979
Instrument DateFeb 2, 2022
Instrument2022035313
Transaction TypeTransfer
Record UpdatedFeb 22, 2022
Title CompanyOS NATIONAL LLC

Transaction

AmountAmount Recorded
Tax$1,462.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3050 CRUMP RD, 3050, WINTER HAVEN, FL 33881-9239

Transferred To (Grantee/Buyer)

NameVerified Name
Address410 N SCOTTSDALE RD STE 1600N, 1600N, TEMPE, AZ 85281-7094
InvestorPossibly a Property Investor

April 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPOLK FL
Recording DateApr 1, 2021
Property Address424 BAYOU RD, WINTER HAVEN, FL 33884-2507
Document Number0000082822
Book / Page11648 / 891
Map ReferenceMB 3 PG 27
Instrument DateMar 31, 2021
Instrument2021082822
Transaction TypeTransfer
Record UpdatedDec 23, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1922 N HOOE ST, PHILADELPHIA, PA 19122-2409

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$186,505 (+1.06%) Land $40,005 Building $146,500$186,505 (+1.06%) Land $40,005 Building $146,500
2025$2,446.00 (-18.36%)$184,543 (-1.31%) Land $40,005 Building $144,538$184,543 (-1.31%) Land $40,005 Building $144,538
2023$2,996.00 (+24.21%)$187,002 (+17.66%) Land $38,862 Building $148,140$187,002 (+17.66%) Land $38,862 Building $148,140
2022$2,412.00$158,931 Land $32,004 Building $126,927$158,931 Land $32,004 Building $126,927

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
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 11 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies11 in force
Nearby Flood Claims3 (2017–2022)
Claims Outside the SFHA1 of 3
Most Recent ClaimSep 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.

Wildfire

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

Wildfire RiskModerate
above 40% of the US · lower than 87% of Florida
Wildfire Likelihood0.08% annual chance
ExposureDirect
burnable vegetation

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

ProviderMax Down / Up (Mbps)
Frontier
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20

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