440 Fernandez St, Winter Haven, FL 33880 Property Records

Polk County property record for 440 Fernandez St, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,268 sqft · built 2006
Lot Size	0.936 acres (40,763 sqft)
Owner	2 Individual Names on File
Last Sale	$119,700 (Aug 2017)
Tax Bill	$1,228 (2025)
Deeds & Mortgages	Jun 2019 Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`26-29-28-691003-000190`

Property Details

APN / Parcel Number

Primary APN	`26-29-28-691003-000190`
Alternative APNs	`282926691003000190` `82926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,268 sqft Living Area
Gross Area	1,668 sqft
1st Floor Area	1,268 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

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	40,763 sqft (0.936 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Porch	Unfinished Open Porch
Porch Area	48 sqft

Location & Zoning

Street Address	440 FERNANDEZ ST
City	WINTER HAVEN
State	FL
Zip	33880-6132
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIDGE ACRES PHASE IV UNIT I PB 115 PGS 26 & 27 LOT 19
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	19
Legal Unit	1
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4050
Census Tract	14501

Owner

440 Fernandez St is owned and occupied by two individuals who bought it in August 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	440 FERNANDEZ ST, WINTER HAVEN, FL 33880-6132
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jun 24, 2019	Deed of Trust, Mortgage · VA Mortgage FIRSTBANK
Jun 24, 2019	Deed of Trust, Mortgage · VA Mortgage FIRSTBANK
Aug 10, 2017	Warranty Deed, Transfer · FHA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2017 · Amount on File
Deed Sale	Aug 10, 2017 · Amount on File
Prior Sale	Sep 21, 2010 · Amount on File
Deed Document Number	2017153394
Deed Book / Page	10230 / 248
Prior Transfer Date	Jun 2, 2010
Prior Transfer Doc	0000086887
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	440 FERNANDEZ ST, WINTER HAVEN, FL 33880-6132
Document Number	0110430442
Instrument Date	Jun 24, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	440 FERNANDEZ ST WINTER HAVEN FL 338806132, WINTER HAVEN, FL 33880-6132

Mortgage

Document Number	0110430442
Date	Nov 15, 2019
Book Page	011043/000442
Instrument	243474

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 14, 2049

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	440 FERNANDEZ ST, WINTER HAVEN, FL 33880-6132
Document Number	0108972172
Instrument Date	Jun 24, 2019
Transaction Type	Mortgage
Record Updated	Dec 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	440 FERNANDEZ ST WINTER HAVEN FL 338806132, WINTER HAVEN, FL 33880-6132

Mortgage

Document Number	0108972172
Date	Jul 5, 2019
Book Page	010897/002172
Instrument	139961

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 4, 2049

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 10, 2017
Property Address	440 FERNANDEZ ST, WINTER HAVEN, FL 33880-6132
Document Number	0102300248
Book / Page	010230 / 000248
Instrument Date	Aug 9, 2017
Instrument	153394
Transaction Type	Transfer
Record Updated	Aug 28, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$837.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	440 FERNANDEZ ST WINTER HAVEN FL 338806132, WINTER HAVEN, FL 33880-6132

Mortgage

Document Number	102300250
Date	Aug 10, 2017
Book Page	010230/000250
Instrument	153395

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 9, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 440 Fernandez St was $1,228 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$138,851 (+2.7%)	$192,110 (-2.28%) Land $27,725 Building $164,385
2025	$1,228.00 Homeowner's exemption	$135,201	$196,601 Land $27,725 Building $168,876
2023	$1,642.00 (+4.12%) Homeowner's exemption	$127,564 (+3%)	$197,516 (+12.18%) Land $20,825 Building $176,691
2022	$1,577.00 Homeowner's exemption	$123,849	$176,067 Land $17,582 Building $158,485

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 440 Fernandez St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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	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 440 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 Risk	Moderate above 69% of the US · above 50% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct 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

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

May also be available: AT&T.

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