Polk County property record for 425 Flagler Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,933 sqft · built 1979 |
| Lot Size | 0.379 acres (16,501 sqft) |
| Owner | 2 Individuals on Record |
| Last Sale | $380,000 (Jan 2026) |
| Tax Bill | $1,496 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Jan 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-27-000000-041440 |
| Primary APN | 26-28-27-000000-041440 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,933 sqft Living Area |
| Gross Area | 2,498 sqft |
| 1st Floor Area | 1,933 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 16,501 sqft (0.379 acres) |
| Lot Dimensions | 165 ft deep x 100 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 565 sqft |
| Pool Area | 450 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 331 sqft |
| Street Address | 425 FLAGLER RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-1002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | BEG 1355 FT N & 385 FT W OF S1/4 COR OF SEC RUN N 100 FT E 160 FT S 05 DEG 42 MIN E 100.50 FT W 170 FT TO POB BEING LOT 472 OF UNREC VALENCIAWOOD HILLS |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 27 |
| Legal Subdivision | LAKE LINK ESTATES |
| Legal Tract | 000000 |
| Legal Block | 1 |
| Legal Lot Number | 472,O |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 13902 |
Source: Polk County assessment roll, as of June 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individuals on Record |
|---|---|
| Mailing Address | 425 FLAGLER RD, WINTER HAVEN, FL 33884-1002 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 7, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Jan 7, 2026 | Warranty Deed, Transfer · VA Mortgage USAA FSB |
| Dec 9, 2020 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 7, 2026 · Amount on Record |
| Deed Sale | Jan 7, 2026 · Amount on Record |
| Prior Sale | Sep 28, 2012 · Amount on Record |
| Deed Document Number | 20263594 |
| Deed Book / Page | 13835 / 1532 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 425 FLAGLER RD, WINTER HAVEN, FL 33884-1002 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 425 FLAGLER RD, WINTER HAVEN, FL 33884-1002 |
| Document Number | 0000209644 |
|---|---|
| Date | Sep 7, 2023 |
| Book Page | 12827/802 |
| Instrument | 2023209644 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 7, 2026 |
| Property Address | 425 FLAGLER RD, WINTER HAVEN, FL 33884-1002 |
| Document Number | 0000003594 |
| Book / Page | 13835 / 1532 |
| Instrument Date | Dec 30, 2025 |
| Instrument | 2026003594 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,660.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 99, BOKEELIA, FL 33922-0099 |
| Name | Verified Name |
|---|---|
| Address | 425 FIAGLER ROAD, WINTER HAVEN, FL 33884-1002 |
| Document Number | 0138351534 |
|---|---|
| Date | Jan 7, 2026 |
| Instrument | 13835/1534 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 425 FLAGLER RD, WINTER HAVEN, FL 33884-1002 |
| Document Number | 0114950100 |
| Instrument Date | Dec 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 426 FLAGLER RD WINTER HAVEN FL 338841024, WINTER HAVEN, FL 33884-1024 |
| Document Number | 0114950100 |
|---|---|
| Date | Dec 14, 2020 |
| Book Page | 011495/000100 |
| Instrument | 269860 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 492 Months |
| Due | Dec 13, 2061 |
Source: Polk County assessment roll, as of June 23, 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 |
|---|---|---|---|
| 2025 | $1,496.00 (-20.72%) Homeowner's exemption | $153,363 (+5.99%) | $334,122 (+1.76%) Land $70,952 Building $263,170 |
| 2023 | $1,887.00 (+3.62%) Homeowner's exemption | $144,700 (+3%) | $328,359 (+33.65%) Land $69,302 Building $259,057 |
| 2022 | $1,821.00 Homeowner's exemption | $140,485 | $245,685 Land $35,000 Building $210,685 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 Record median of 18 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 3 (2004–2022) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Sep 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
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 | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures