Polk County property record for 432 7th St NE, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 980 sqft · built 1925 |
| Lot Size | 0.191 acres (8,307 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $724 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-21-577500-005070 |
| Primary APN | 26-28-21-577500-005070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 980 sqft Living Area |
| 1st Floor Area | 980 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 8,307 sqft (0.191 acres) |
| Lot Dimensions | 160 ft deep x 51 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Detached |
| Garage Area | 650 sqft |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 84 sqft |
| Street Address | 432 7TH ST NE |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33881-4204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1C |
| Legal Description | RESUB OF BLKS 4 5 6 OF ELBERT PARK PB 5 PG 48 IN S28 T28 R26 BLK 5 LOT 7 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 21 |
| Legal Subdivision | ELBERT PARK RESUBDIVISION BLKS 4 5 AND 6 |
| Legal Tract | 577500 |
| Legal Block | 4,5 |
| Legal Lot Number | 7 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 13702 |
Source: Polk County records, as of July 23, 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 | 432 7TH ST NE, WINTER HAVEN, FL 33881-4204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Dec 29, 1994 |
| Transfer Doc | 3480001138 |
| Record Updated | Sep 20, 2026 |
Source: Polk County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $724.00 (+10.53%) Homeowner's exemption | $81,648 (+5.99%) | $197,662 (+0.13%) Land $28,581 Building $169,081 |
| 2023 | $655.00 (+5.31%) Homeowner's exemption | $77,036 (+3%) | $197,401 (+10.71%) Land $24,474 Building $172,927 |
| 2022 | $622.00 Homeowner's exemption | $74,792 | $178,311 Land $20,398 Building $157,913 |
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 4 (2004–2022) |
| Claims Outside the SFHA | 3 of 4 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 240 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 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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