Polk County property record for 431 Fernandez St, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,616 sqft · built 2006 |
| Lot Size | 0.5 acres (21,776 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $49,000 (Apr 2010) |
| Tax Bill | $355 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-28-691003-000130 |
| Primary APN | 26-29-28-691003-000130 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,616 sqft Living Area |
| Gross Area | 2,036 sqft |
| 1st Floor Area | 1,616 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 21,776 sqft (0.5 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 24 sqft |
| Street Address | 431 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 13 |
| 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 | 13 |
| Legal Unit | 1 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 4 |
| Census Block | 4050 |
| Census Tract | 14501 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 431 FERNANDEZ ST, WINTER HAVEN, FL 33880-6143 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 27, 2010 · Amount on Record |
| Deed Sale | Apr 27, 2010 · Amount on Record |
| Prior Sale | Feb 2, 2010 |
| Deed Document Number | 201066683 |
| Deed Book / Page | 8124 / 916 |
| Record Updated | Oct 29, 2026 |
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 | $57,632 (+2.7%) | $199,174 (-3.05%) Land $20,000 Building $179,174 | |
| 2025 | $355.00 (-56.6%) Homeowner's exemption | $56,117 (+5.99%) | $205,433 (-2.1%) Land $20,000 Building $185,433 |
| 2023 | $818.00 (+4.34%) Homeowner's exemption | $52,947 (+3%) | $209,835 (+12.19%) Land $15,000 Building $194,835 |
| 2022 | $784.00 Homeowner's exemption | $51,405 | $187,042 Land $12,650 Building $174,392 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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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