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  5. Fernandez St

428 Fernandez St, Winter Haven, FL 33880 Property Records

Polk County property record for 428 Fernandez St, Winter Haven, FL 33880

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,616 sqft · built 2006
Lot Size0.951 acres (41,412 sqft)
OwnerIndividual Name on Record
Last Sale$171,000 (Jul 2006)
Tax Bill$545 (2025)
Deeds & MortgagesDec 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN26-29-28-691003-000220

Property Details

APN / Parcel Number

Primary APN26-29-28-691003-000220
Alternative APNs
  • 282926691003000220
  • 82926000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,616 sqft Living Area
Gross Area2,036 sqft
1st Floor Area1,616 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeHip
Roof MaterialOther
Lot Area41,412 sqft (0.951 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area420 sqft
PorchUnfinished Open Porch
Porch Area24 sqft
Shed1 Shed

Location & Zoning

Street Address428 FERNANDEZ ST
CityWINTER HAVEN
StateFL
Zip33880-6132
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRIDGE ACRES PHASE IV UNIT I PB 115 PGS 26 & 27 LOT 22
Legal Range26E
Legal Township29S
Legal Section28
Legal SubdivisionRIDGE ACRES PHASE IV UNIT 1
Legal PhaseIV
Legal Tract691003
Legal Block4
Legal Lot Number22
Legal Unit1
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group4
Census Block4050
Census Tract14501

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 Address428 FERNANDEZ ST, WINTER HAVEN, FL 33880-6132
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 18, 2006 · Amount on Record
Deed SaleJul 18, 2006 · Amount on Record
Deed Document Number2006175342
Deed Book / Page6874 / 1195
Record UpdatedOct 29, 2026

December 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address428 FERNANDEZ ST, WINTER HAVEN, FL 33880-6132
Document Number0107121606
Instrument DateDec 21, 2018
Transaction TypeMortgage
Record UpdatedJan 16, 2019

Transferred To (Grantee/Buyer)

NameVerified Name
Address428 FERNANDEZ ST WINTER HAVEN FL 338806132, WINTER HAVEN, FL 33880-6132

Mortgage

Document Number0107121606
DateJan 2, 2019
Book Page010712/001606
Instrument512
Lender
NameMR COOPER
AddressDALLAS, TX 75019
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2049

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$84,581 (+2.7%)$213,224 (-2.85%) Land $34,050 Building $179,174
2025$545.00 (-43.99%) Homeowner's exemption$82,357 (+5.99%)$219,483 (-0.41%) Land $34,050 Building $185,433
2023$973.00 (+5.76%) Homeowner's exemption$77,705 (+3%)$220,385 (+12.47%) Land $25,550 Building $194,835
2022$920.00 Homeowner's exemption$75,442$195,947 Land $21,555 Building $174,392

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.

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 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 97 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies97 in force
Nearby Flood Claims8 (2004–2022)
Claims Outside the SFHA4 of 8
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Sep 2022 · 2 claims
  • Hurricane Frances, Sep 2004 · 2 claims
  • Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 claims

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 69% of the US · above 50% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 65 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T.

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