Polk County property record for 424 Fernandez St, Winter Haven, FL 33880 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2006 |
| Square Footage | 1,268 sqft Living Area |
| Lot Size | 41,412 sqft (0.951 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $46,800 (2016) |
| Tax Bill | $379.00 (2025) |
| Primary APN | 26-29-28-691003-000230 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,268 sqft Living Area |
| Gross Area | 1,668 sqft Gross Area |
| 1st Floor | 1,268 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Hip Roof Construction |
| Roof Material | Other (not Classified) Roof |
| Lot Area | 41,412 sqft (0.951 acres) |
| Garage Type | Attached Garage |
| Garage Area | 400 sqft Garage |
| Porch Area | 48 sqft Porch |
| Street Address | 424 FERNANDEZ ST |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-6132 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | RIDGE ACRES PHASE IV UNIT I PB 115 PGS 26 & 27 LOT 23 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 28 |
| Legal Subdivision | RIDGE ACRES PHASE IV UNIT 1 |
| Legal Phase | IV |
| Legal Tract | 691003 |
| Legal Block | 4 |
| Legal Lot Number | 23 |
| Legal Unit | 1 |
| Jurisdiction | POLK FL |
| Minor Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Blockgroup | 4 |
| Census Block | 4050 |
| Census Tract | 14501 |
Source: Polk County records · APN 26-29-28-691003-000230
Assessment roll updated June 23, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 424 FERNANDEZ ST, WINTER HAVEN, FL 33880-6132 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 16, 2022 | Deed of Trust, Mortgage · Veterans Administration Mortgage NAVY FCU |
| Jun 24, 2019 | Deed of Trust, Mortgage · Veterans Administration Mortgage USAA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 01, 2016 · Amount on Record |
| Deed Sale | Aug 01, 2016 · Amount on Record |
| Prior Sale | Jul 15, 2010 · Amount on Record |
| Deed Doc Number | 2016138804 |
| Deed Book / Page | 9892 / 2252 |
| Prior Transfer Date | May 07, 2010 |
| Prior Transfer Doc | 0000111212 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 424 FERNANDEZ ST, WINTER HAVEN, FL 33880-6132 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2022 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 424 FERNANDEZ ST, WINTER HAVEN, FL 33880-6132 |
| Document Number | 0000133093 |
|---|---|
| Date | May 16, 2022 |
| Book Page | 12254/1560 |
| Instrument | 2022133093 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 424 FERNANDEZ ST, WINTER HAVEN, FL 33880-6132 |
| Document Number | 0108951498 |
| Instrument Date | Jun 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 424 FERNANDEZ ST WINTER HAVEN FL 338806132, WINTER HAVEN, FL 33880-6132 |
| Document Number | 0108951498 |
|---|---|
| Date | Jul 03, 2019 |
| Book Page | 010895/001498 |
| Instrument | 138452 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 02, 2049 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $379.00 (-57.42%) Homeowner's exemption | $72,768 (+5.99%) | $190,951 (-0.16%) Land $30,100 Building $160,851 |
| 2023 | $890.00 (+11.11%) Homeowner's exemption | $68,657 (+3%) | $191,266 (+12.82%) Land $22,600 Building $168,666 |
| 2022 | $801.00 Homeowner's exemption | $66,657 | $169,535 Land $19,075 Building $150,460 |
Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | Moderate above 69% of the US · above 50% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 337 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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