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430 Suwannee Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 430 Suwannee Rd, Winter Haven, FL 33884 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,111 sqft · built 1974
Lot Size0.265 acres (11,561 sqft)
Owner2 Individual Names on File
Last Sale$368,000 (Oct 2024)
Tax Bill$3,765 (2025)
Deeds & MortgagesMay 2024 Sale
Jun 2022 Reverse Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-34-659500-004580

Property Details

APN / Parcel Number

Primary APN26-28-34-659500-004580
Alternative APNs
  • 342826659500004580
  • 42826000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,111 sqft Living Area
Gross Area2,636 sqft
1st Floor Area2,111 sqft
FlooringTerrazzo
Interior WallsPaneling

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 2005
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area11,561 sqft (0.265 acres)
Lot Dimensions147 ft deep x 80 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area525 sqft

Exterior Amenities

Pool Area450 sqft
PorchFinished/Open Porch
Porch Area42 sqft
Shed1 Shed

Location & Zoning

Street Address430 SUWANNEE RD
CityWINTER HAVEN
StateFL
Zip33884-1416
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionELOISE WOODS EAST LAKE MARIAM UNIT PB 19 PGS 32 32A IN S34/35 T28 R26 LOT 458
Legal Range26E
Legal Township28S
Legal Section34
Legal SubdivisionELOISE WOODS EAST LAKE MARIAM UNIT
Legal Tract659500
Legal Block2
Legal Lot Number458
Legal UnitPB
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2016
Census Tract13902

Owner

Source: Polk County records · APN 26-28-34-659500-004580

Assessment roll updated June 23, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address430 SUWANNEE RD, WINTER HAVEN, FL 33884-1416
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
May 07, 2024Warranty Deed, Transfer
NOT AVAILABLE, RTR TITLE
Jun 28, 2022Deed of Trust, Mortgage · Reverse Mortgage
PHH MORTGAGE SERVICES CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 29, 2024 · Amount on Record
Deed SaleOct 29, 2024 · Amount on Record
Prior SaleMay 07, 2024 · Amount on Record
Deed Document Number2024245438
Deed Book / Page13313 / 1799
Record UpdatedSep 20, 2026

May 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMay 07, 2024
Property Address430 SUWANNEE RD, WINTER HAVEN, FL 33884-1416
Document Number0000106285
Book / Page13107 / 2029
Map ReferenceMB 19 PG 32&32A
Instrument DateApr 30, 2024
Instrument2024106285
Transaction TypeTransfer
Record UpdatedMay 15, 2024
Title CompanyNOT AVAILABLE, RTR TITLE

Transaction

AmountAmount Recorded
Tax$1,841.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2380 W LAKE BRANTLEY DR, LONGWOOD, FL 32779-4632

Transferred To (Grantee/Buyer)

NameVerified Name
Address7528 BAY PINES DR, WESLEY CHAPEL, FL 33544-2809

June 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address430 SUWANNEE RD, WINTER HAVEN, FL 33884-1416
Transaction TypeMortgage
Record UpdatedJul 08, 2022
Title CompanyCHANCELLOR TITLE AGENCY

Transferred To (Grantee/Buyer)

NameVerified Name
Address430 SUWANNEE RD, WINTER HAVEN, FL 33884-1416

Mortgage

Document Number0000175614
DateJun 28, 2022
Book Page12314/2142
Instrument2022175614
Lender
NamePHH MORTGAGE SERVICES CORP
TypeMortgage Company
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Term849 Months
DueMar 07, 2093
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,765.00 (+104.95%)$284,085 (+124.15%) Land $40,964 Building $243,121$284,085 (+2.74%) Land $40,964 Building $243,121
2024$1,837.00 (+10.73%)
2023$1,659.00 (+3.95%) Homeowner's exemption$126,739 (+3%)$276,514 (+7.95%) Land $39,886 Building $236,628
2022$1,596.00 Homeowner's exemption$123,048$256,144 Land $33,402 Building $222,742

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050139022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 25 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies25 in force
Nearby Flood Claims2 (2004)
Most Recent ClaimSep 2004, river or lake flooding, Hurricane Frances

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 308 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber7,000 / 7,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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