428 Flagler Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 428 Flagler Rd, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,577 sqft · built 1982
Lot Size	0.344 acres (15,002 sqft)
Owner	2 Company Names on Record
Last Sale	$195,000 (Dec 2008)
Tax Bill	$4,738 (2025)
Deeds & Mortgages	Oct 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`26-28-27-000000-042970`

Property Details

APN / Parcel Number

Primary APN	`26-28-27-000000-042970`
Alternative APNs	`272826000000042970` `72826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,577 sqft Living Area
Gross Area	3,177 sqft
1st Floor Area	2,337 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	15,002 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	600 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	450 sqft
Porch	Florida Room
Porch Area	408 sqft

Location & Zoning

Street Address	428 FLAGLER RD
City	WINTER HAVEN
State	FL
Zip	33884-1024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BEG 1210 FT N & 435 FT W OF S1/4 COR OF SEC RUN W 150 FT N 100 FT E 150 FT S 100 FT TO POB BEING LOT 415 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	415
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1036
Census Tract	13902

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 Record	2 Company Names on Record
Mailing Address	428 FLAGLER RD, WINTER HAVEN, FL 33884-1024
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2008 · Amount on Record
Deed Sale	Dec 22, 2008 · Amount on Record
Prior Sale	Feb 1, 2002
Deed Document Number	2008212477
Deed Book / Page	7782 / 341
Last Transfer Date	Oct 19, 2023
Transfer Doc	0000253507
Record Updated	Oct 29, 2026

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Oct 25, 2023
Property Address	428 FLAGLER RD, WINTER HAVEN, FL 33884-1024
Document Number	0000253507
Book / Page	12887 / 1329
Instrument Date	Oct 19, 2023
Instrument	2023253507
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	428 FLAGLER RD, WINTER HAVEN, FL 33884-1024

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	428 FLAGLER RD, WINTER HAVEN, FL 33884-1024

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$375,337 (+1%)	$384,407 (+0.6%) Land $64,509 Building $319,898
2025	$4,738.00 (-0.96%)	$341,215 (-9.15%)	$382,103 (+1.74%) Land $64,509 Building $317,594
2023	$4,784.00 (+15.56%)	$375,577 (+29.47%) Land $63,009 Building $312,568	$375,577 (+29.47%) Land $63,009 Building $312,568
2022	$4,140.00	$290,079 Land $35,000 Building $255,079	$290,079 Land $35,000 Building $255,079

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 Zone	Zone X minimal risk
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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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