Polk County property record for 430 Flagler Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,537 sqft · built 1982 |
| Lot Size | 0.344 acres (15,002 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $243,000 (Aug 2018) |
| Tax Bill | $2,895 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Aug 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-27-000000-041550 |
| Primary APN | 26-28-27-000000-041550 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,537 sqft Living Area |
| Gross Area | 3,157 sqft |
| 1st Floor Area | 2,537 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| 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 | 620 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 450 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 464 sqft |
| Cooling System | Central |
|---|
| Street Address | 430 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 1310 FT N & 435 FT W OF S1/4 OF SEC RUN W 150 FT N 100 FT E 150 FT S 100 FT TO POB BEING LOT 416 OF UNREC VALENCIA WOOD HILLS |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 27 |
| Legal Subdivision | LAKE LINK ESTATES |
| Legal Tract | 000000 |
| Legal Block | 1 |
| Legal Lot Number | 416 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 13902 |
430 Flagler Rd is owned and occupied by two individuals who bought it in August 2018.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 430 FLAGLER RD, WINTER HAVEN, FL 33884-1024 |
| 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 |
|---|---|
| Aug 9, 2021 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Aug 2, 2019 | Deed of Trust, Mortgage · VA Mortgage FIRST SVGS BK |
| Aug 3, 2018 | Warranty Deed, Transfer · VA Mortgage GVC MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 2018 · Amount on File |
| Deed Sale | Aug 3, 2018 · Amount on File |
| Prior Sale | Oct 29, 2012 · Amount on File |
| Deed Document Number | 2018166067 |
| Deed Book / Page | 10570 / 2206 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 430 FLAGLER RD, WINTER HAVEN, FL 33884-1024 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2021 |
| Name | Verified Name |
|---|---|
| Address | 430 FLAGLER RD, WINTER HAVEN, FL 33884-1024 |
| Document Number | 0000206384 |
|---|---|
| Date | Aug 9, 2021 |
| Book Page | 11839/1120 |
| Instrument | 2021206384 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 430 FLAGLER RD, WINTER HAVEN, FL 33884-1024 |
| Document Number | 0109322262 |
| Instrument Date | Aug 2, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2019 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 430 FLAGLER RD WINTER HAVEN FL 338841024, WINTER HAVEN, FL 33884-1024 |
| Document Number | 0109322262 |
|---|---|
| Date | Aug 7, 2019 |
| Book Page | 010932/002262 |
| Instrument | 165730 |
| Name | FIRST SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CLARKSVILLE, IN 47129 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 6, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 3, 2018 |
| Property Address | 430 FLAGLER RD, WINTER HAVEN, FL 33884-1024 |
| Document Number | 0105702206 |
| Book / Page | 010570 / 002206 |
| Instrument Date | Jul 31, 2018 |
| Instrument | 166067 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2018 |
| Title Company | REAL ESTATE TITLE SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,701.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 430 FLAMER RD WINTER HAVEN FL 33884, WINTER HAVEN, FL 33884 |
| Document Number | 105702207 |
|---|---|
| Date | Aug 3, 2018 |
| Book Page | 010570/002207 |
| Instrument | 166068 |
| Name | GVC MTG |
|---|---|
| Type | Mortgage Company |
| Address | PENDLETON, IN 46064 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 2, 2048 |
The 2025 property tax bill for 430 Flagler Rd was $2,895 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 | $265,871 (+2.7%) | $395,045 (+0.49%) Land $64,509 Building $330,536 | |
| 2025 | $2,895.00 Homeowner's exemption | $258,881 | $393,135 Land $64,509 Building $328,626 |
| 2023 | $3,229.00 (+2.7%) Homeowner's exemption | $244,257 (+3%) | $386,974 (+28.2%) Land $63,009 Building $323,965 |
| 2022 | $3,144.00 Homeowner's exemption | $237,143 | $301,851 Land $35,000 Building $266,851 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 430 Flagler Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2004.
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 File 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 risk around 430 Flagler Rd is low, with a 0.01% annual chance of 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.
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 |
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