Polk County property record for 429 Fernandez St, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,896 sqft · built 2006 |
| Lot Size | 0.538 acres (23,448 sqft) |
| Owner | Individual Name on File |
| Last Sale | $98,000 (Feb 2009) |
| Tax Bill | $539 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Dec 2016 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-28-691003-000120 |
| Primary APN | 26-29-28-691003-000120 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,896 sqft Living Area |
| Gross Area | 2,358 sqft |
| 1st Floor Area | 1,056 sqft |
| Upper Floors Area | 840 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 23,448 sqft (0.538 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Unfinished Open Porch |
| Shed | 1 Shed |
| Street Address | 429 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 12 |
| 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 | 12 |
| Legal Unit | 1 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 4 |
| Census Block | 4050 |
| Census Tract | 14501 |
429 Fernandez St is owned and occupied by an individual who acquired it in July 2021.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 429 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.
| Date | Document |
|---|---|
| Jul 28, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage PHH MORTGAGE SERVICES CORP |
| Dec 19, 2016 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 27, 2009 · Amount on File |
| Deed Sale | Feb 27, 2009 · Amount on File |
| Prior Sale | Nov 13, 2008 |
| Deed Document Number | 200935744 |
| Deed Book / Page | 7826 / 1393 |
| Last Transfer Date | Jul 1, 2021 |
| Transfer Doc | 0000195872 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 28, 2021 |
| Property Address | 429 FERNANDEZ ST, WINTER HAVEN, FL 33880-6143 |
| Document Number | 0000195872 |
| Book / Page | 11822 / 1439 |
| Map Reference | MB 115 PG 26&27 |
| Instrument Date | Jul 1, 2021 |
| Instrument | 2021195872 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4800 ELOISE LOOP RD, 4800, WINTER HAVEN, FL 33884-3071 |
| Name | Verified Name |
|---|---|
| Address | 429 FERNANDEZ ST, WINTER HAVEN, FL 33880-6143 |
| Document Number | 0118221445 |
|---|---|
| Date | Jul 28, 2021 |
| Instrument | 11822/1445 |
| Name | PHH MORTGAGE SERVICES CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 429 FERNANDEZ ST, WINTER HAVEN, FL 33880-6143 |
| Document Number | 0100301302 |
| Book / Page | 010030 / 001302 |
| Instrument Date | Dec 19, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2017 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 429 FERNANDEZ ST WINTER HAVEN FL 338806143, WINTER HAVEN, FL 33880-6143 |
| Document Number | 0100301302 |
|---|---|
| Date | Jan 5, 2017 |
| Book Page | 010030/001302 |
| Instrument | 1944 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 4, 2032 |
The 2025 property tax bill for 429 Fernandez St was $539 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 | $84,156 (+2.7%) | $213,233 (-2.62%) Land $21,600 Building $191,633 | |
| 2025 | $539.00 Homeowner's exemption | $81,944 | $218,970 Land $21,600 Building $197,370 |
| 2023 | $983.00 (+5.81%) Homeowner's exemption | $77,316 (+3%) | $220,448 (+23.23%) Land $16,200 Building $204,248 |
| 2022 | $929.00 Homeowner's exemption | $75,064 | $178,886 Land $13,662 Building $165,224 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 429 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 429 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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