Polk County property record for 434 Flagler Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,410 sqft · built 1988 |
| Lot Size | 0.337 acres (14,697 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $260,000 (Feb 2020) |
| Tax Bill | $2,602 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Dec 2025 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-27-000000-041580 |
| Primary APN | 26-28-27-000000-041580 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,410 sqft Living Area |
| Gross Area | 2,928 sqft |
| 1st Floor Area | 2,122 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 14,697 sqft (0.337 acres) |
| Lot Dimensions | 150 ft deep x 82 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Porch | Florida Room |
| Porch Area | 633 sqft |
| Cooling System | Central |
|---|
| Street Address | 434 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 1510 FT N & 435 FT W OF S1/4 COR OF SEC RUN W 150 FT N 63.84 FT N 62 DEG 42 MIN E 141.59 FT S 36 DEG 46 MIN E 40.14 FT S 95 FT TO POB BEING LOT 418 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 | 418 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 13902 |
434 Flagler Rd is owned and occupied by two individuals who acquired it in December 2025.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 434 FLAGLER RD, WINTER HAVEN, FL 33884-1024 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
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 |
|---|---|
| Feb 2, 2026 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Dec 17, 2025 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Feb 5, 2020 | Warranty Deed, Transfer · Conventional with PMI CITIZENS BK |
| Aug 19, 2019 | Warranty Deed, Transfer INTEGRITY FIRST TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 5, 2020 · Amount on File |
| Deed Sale | Feb 5, 2020 · Amount on File |
| Prior Sale | Aug 19, 2019 · Amount on File |
| Deed Document Number | 202026741 |
| Deed Book / Page | 11130 / 717 |
| Last Transfer Date | Dec 12, 2025 |
| Transfer Doc | 0000295899 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 434 FLAGLER RD, WINTER HAVEN, FL 33884-1024 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 434 FLAGLER RD, WINTER HAVEN, FL 33884-1024 |
| Document Number | 0000027166 |
|---|---|
| Date | Feb 2, 2026 |
| Book Page | 13868/692 |
| Instrument | 2026027166 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BOULDER CREEK, CA 95006 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 17, 2025 |
| Property Address | 434 FLAGLER RD, WINTER HAVEN, FL 33884-1024 |
| Document Number | 0000295899 |
| Book / Page | 13815 / 1089 |
| Instrument Date | Dec 12, 2025 |
| Instrument | 2025295899 |
| Transaction Type | Transfer |
| Record Updated | Jan 6, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 434 FLAGLER RD, WINTER HAVEN, FL 33884-1024 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 434 FLAGLER RD, WINTER HAVEN, FL 33884-1024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 5, 2020 |
| Property Address | 434 FLAGLER RD, WINTER HAVEN, FL 33884-1024 |
| Document Number | 0111300717 |
| Book / Page | 011130 / 000717 |
| Instrument Date | Feb 4, 2020 |
| Instrument | 26741 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,820.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 434 FLAGLER RD WINTER HAVEN FL 338841024, WINTER HAVEN, FL 33884-1024 |
| Document Number | 111300719 |
|---|---|
| Date | Feb 5, 2020 |
| Book Page | 011130/000719 |
| Instrument | 26742 |
| Name | CITIZENS BK |
|---|---|
| Type | Bank |
| Address | FROSTPROOF, FL 33843 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 4, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 19, 2019 |
| Property Address | 434 FLAGLER RD, WINTER HAVEN, FL 33884-1024 |
| Document Number | 0109441127 |
| Book / Page | 010944 / 001127 |
| Instrument Date | Aug 13, 2019 |
| Instrument | 174308 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2019 |
| Title Company | INTEGRITY FIRST TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $945.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1217 AQUILA LOOP CELEBRATION FL 347474005, CELEBRATION, FL 34747-4005 |
The 2025 property tax bill for 434 Flagler Rd was $2,602.
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 | $243,233 (+2.7%) | $356,152 (-1.18%) Land $63,198 Building $292,954 | |
| 2025 | $2,602.00 Homeowner's exemption | $236,838 | $360,394 Land $63,198 Building $297,196 |
| 2023 | $2,949.00 (+2.82%) Homeowner's exemption | $223,459 (+3%) | $354,796 (+33.78%) Land $61,728 Building $293,068 |
| 2022 | $2,868.00 Homeowner's exemption | $216,950 | $265,209 Land $35,000 Building $230,209 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 434 Flagler Rd in Zone X, an area of minimal flood risk, within 500 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 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 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 434 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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