1. Home
  2. Florida
  3. Polk County
  4. Winter Haven
  5. Fernandez St

432 Fernandez St, Winter Haven, FL 33880 Property Records

Polk County property record for 432 Fernandez St, Winter Haven, FL 33880

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 1,896 sqft · built 2006
Lot Size0.951 acres (41,412 sqft)
Owner2 Company Names on File
Last Sale$174,000 (Jun 2006)
Tax Bill$618 (2024)
Deeds & MortgagesJul 2026 Re-recorded Document
Mar 2026 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN26-29-28-691003-000210

Property Details

APN / Parcel Number

Primary APN26-29-28-691003-000210
Alternative APNs
  • 282926691003000210
  • 82926000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area1,896 sqft Living Area
Gross Area2,358 sqft
1st Floor Area1,056 sqft
Upper Floors Area840 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Exterior MaterialStucco
Construction TypeConcrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area41,412 sqft (0.951 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area462 sqft
PorchUnfinished Open Porch

Location & Zoning

Street Address432 FERNANDEZ ST
CityWINTER HAVEN
StateFL
Zip33880-6132
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRIDGE ACRES PHASE IV UNIT I PB 115 PGS 26 & 27 LOT 21
Legal Range26E
Legal Township29S
Legal Section28
Legal SubdivisionRIDGE ACRES PHASE IV UNIT 1
Legal PhaseIV
Legal Tract691003
Legal Block4
Legal Lot Number21
Legal Unit1
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group4
Census Block4050
Census Tract14501

Owner

432 Fernandez St is owned by a company that acquired it in February 2026.

Source: Polk County records, as of September 28, 2026

Owner of Record2 Company Names on File
Mailing Address432 FERNANDEZ ST, WINTER HAVEN, FL 33880-6132
Owner TypeCompany
VestingLife Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Jul 8, 2026Re-recorded Document
NONE LISTED ON DOCUMENT
Mar 24, 2026Intrafamily Transfer, Transfer
Jan 25, 2017Deed of Trust, Mortgage · Conventional with PMI
NATIONSTAR MTG

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 26, 2006 · Amount on File
Deed SaleJun 26, 2006 · Amount on File
Deed Document Number2006157220
Deed Book / Page6841 / 1419
Last Transfer DateFeb 12, 2026
Transfer Doc0000162591
Record UpdatedOct 29, 2026

July 2026: Re-recorded Document

Document TypeRe-recorded Document
JurisdictionPOLK FL
Recording DateJul 8, 2026
Property Address432 FERNANDEZ ST, WINTER HAVEN, FL 33880-6132
Document Number0000162591
Book / Page14067 / 2068
Instrument DateFeb 12, 2026
Instrument2026162591
Record UpdatedAug 31, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address432 FERNANDEZ ST, WINTER HAVEN, FL 33880-6132

March 2026: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPOLK FL
Recording DateMar 24, 2026
Property Address432 FERNANDEZ ST, WINTER HAVEN, FL 33880-6132
Document Number0000070055
Book / Page13930 / 342
Instrument DateFeb 12, 2026
Instrument2026070055
Transaction TypeTransfer
Record UpdatedApr 9, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address432 FERNANDEZ ST, WINTER HAVEN, FL 33880-6132

Transferred To (Grantee/Buyer)

NameVerified Name
Address432 FERNANDEZ ST, WINTER HAVEN, FL 33880-6132

January 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address432 FERNANDEZ ST, WINTER HAVEN, FL 33880-6132
Document Number0100760554
Book / Page010076 / 000554
Instrument DateJan 25, 2017
Transaction TypeMortgage
Record UpdatedJun 16, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address432 FERNANDEZ ST WINTER HAVEN FL 338806132, WINTER HAVEN, FL 33880-6132

Mortgage

Document Number0100760554
DateFeb 27, 2017
Book Page010076/000554
Instrument38044
Lender
NameNATIONSTAR MTG
TypeMortgage Company
AddressDALLAS, TX 75019
Agreement
TypeConventional with PMI
AmountAmount on Record
Term360 Months
DueFeb 26, 2047

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$90,929 (+2.7%)$229,683 (-0.75%) Land $34,050 Building $195,633
2025$88,538$231,420 Land $34,050 Building $197,370
2024$618.00 (+30.38%)
2023$474.00 (+6.76%) Homeowner's exemption$83,537 (+3%)$229,798 (+23.03%) Land $25,550 Building $204,248
2022$444.00 Homeowner's exemption$81,104$186,779 Land $21,555 Building $165,224

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.

Flood

FEMA maps place 432 Fernandez St in Zone X, an area of minimal flood risk, within 100 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 97 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies97 in force
Nearby Flood Claims8 (2004–2022)
Claims Outside the SFHA4 of 8
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Sep 2022 · 2 claims
  • Hurricane Frances, Sep 2004 · 2 claims
  • Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 claims

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

Wildfire risk around 432 Fernandez St is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 69% of the US · above 50% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 65 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20

May also be available: AT&T.

Nearby Properties on Fernandez St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures