Polk County property record for 439 Fernandez St, Winter Haven, FL 33880
| Property Type | Mobile Home |
|---|---|
| Details | 1,296 sqft · built 2002 |
| Lot Size | 1.41 acres (61,742 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $241,000 (Nov 2023) |
| Tax Bill | $1,724 (2025) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage Apr 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-28-691003-000150 |
| Primary APN | 26-29-28-691003-000150 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,296 sqft Living Area |
|---|---|
| 1st Floor Area | 1,296 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Mobile Home |
| Lot Area | 61,742 sqft |
| Garage Type | Carport |
| Garage Area | 2,012 sqft |
| Carport | Carport |
| Carport Area | 2,012 sqft |
| Porch | Porch |
| Shed | 1 Shed |
| Street Address | 439 FERNANDEZ ST |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-6143 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | RIDGE ACRES PHASE IV UNIT I PB 115 PGS 26 & 27 LOT 15 |
| 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 | 15 |
| 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 | 439 FERNANDEZ ST, WINTER HAVEN, FL 33880-6143 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 30, 2023 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Apr 12, 2018 | Loan Modification, Mortgage · Conventional Mortgage PENNYMAC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 30, 2023 · Amount on Record |
| Deed Sale | Nov 30, 2023 · Amount on Record |
| Prior Sale | Aug 15, 2023 · Amount on Record |
| Deed Document Number | 2023280021 |
| Deed Book / Page | 12924 / 442 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 30, 2023 |
| Property Address | 439 FERNANDEZ ST, WINTER HAVEN, FL 33880-6143 |
| Document Number | 0000280021 |
| Book / Page | 12924 / 442 |
| Map Reference | MB 115 PG 26&27 |
| Instrument Date | Nov 22, 2023 |
| Instrument | 2023280021 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2023 |
| Title Company | HILLSBOROUGH TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,687.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 6, LAKELAND, FL 33802-0006 |
| Name | Verified Name |
|---|---|
| Address | 439 FERNANDEZ ST, WINTER HAVEN, FL 33880-6143 |
| Document Number | 0012924444 |
|---|---|
| Date | Nov 30, 2023 |
| Instrument | 12924/444 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 439 FERNANDEZ ST, WINTER HAVEN, FL 33880-6143 |
| Document Number | 0104770127 |
| Instrument Date | Apr 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2018 |
| Name | Verified Name |
|---|---|
| Address | 439 FERNANDEZ ST WINTER HAVEN FL 338806143, WINTER HAVEN, FL 33880-6143 |
| Document Number | 0104770127 |
|---|---|
| Date | May 7, 2018 |
| Book Page | 010477/000127 |
| Instrument | 97335 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 6, 2048 |
| Rate Type | Fixed Rate |
|---|
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 | $178,229 (+2.7%) | $178,775 (-1.81%) Land $46,300 Building $132,475 | |
| 2025 | $1,724.00 (-25.11%) | $173,543 (+40.09%) | $182,073 (+46.98%) Land $46,300 Building $135,773 |
| 2024 | $2,302.00 (+24.63%) | ||
| 2023 | $1,847.00 (+7.51%) | $123,878 (+8.47%) Land $32,562 Building $91,316 | $123,878 (+8.47%) Land $32,562 Building $91,316 |
| 2022 | $1,718.00 | $114,208 Land $27,442 Building $86,766 | $114,208 Land $27,442 Building $86,766 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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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