Polk County property record for 425 Fernandez St, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,268 sqft · built 2006 |
| Lot Size | 0.586 acres (25,509 sqft) |
| Owner | Individual Name on File |
| Last Sale | $79,000 (Nov 2012) |
| Tax Bill | $382 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-28-691003-000110 |
| Primary APN | 26-29-28-691003-000110 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,268 sqft Living Area |
| Gross Area | 1,668 sqft |
| 1st Floor Area | 1,268 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 25,509 sqft (0.586 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 48 sqft |
| Street Address | 425 FERNANDEZ ST |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-6143 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIDGE ACRES PHASE IV UNIT I PB 115 PGS 26 & 27 LOT 11 |
| 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 | 11 |
| Legal Unit | 1 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 4 |
| Census Block | 4050 |
| Census Tract | 14501 |
425 Fernandez St is owned and occupied by an individual who bought it in November 2012.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 425 FERNANDEZ ST, WINTER HAVEN, FL 33880-6143 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 6, 2012 · Amount on File |
| Deed Sale | Nov 6, 2012 · Amount on File |
| Prior Sale | Jul 11, 2012 · Amount on File |
| Deed Document Number | 2012199776 |
| Deed Book / Page | 8792 / 1212 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 425 Fernandez St was $382 with a homeowner's exemption.
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 | $75,491 (+2.7%) | $176,112 (-2.7%) Land $23,600 Building $152,512 | |
| 2025 | $382.00 Homeowner's exemption | $73,506 | $180,998 Land $23,600 Building $157,398 |
| 2023 | $841.00 (-2.77%) Homeowner's exemption | $69,353 (+3%) | $182,919 (+13.08%) Land $17,700 Building $165,219 |
| 2022 | $865.00 Homeowner's exemption | $67,333 | $161,759 Land $14,927 Building $146,832 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 425 Fernandez St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 97 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 97 in force |
| Nearby Flood Claims | 8 (2004–2022) |
| Claims Outside the SFHA | 4 of 8 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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 risk around 425 Fernandez St is high, ranking above 71% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 71% of the US · above 53% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 108 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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