Polk County property record for 440 Flagler Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,031 sqft · built 1981 |
| Lot Size | 0.344 acres (15,002 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $343,100 (Sep 2021) |
| Tax Bill | $3,878 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Jul 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-27-000000-041520 |
| Primary APN | 26-28-27-000000-041520 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,031 sqft Living Area |
| Gross Area | 2,879 sqft |
| 1st Floor Area | 2,031 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 15,002 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 529 sqft |
| Pool Area | 450 sqft |
| Porch | Florida Room |
| Porch Area | 379 sqft |
| Cooling System | Central |
|---|
| Street Address | 440 FLAGLER RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-1024 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BEG 1775.44 FT N & 183.87 FT W OF S1/4 COR OF SEC RUN N 59 DEG 01 MIN 16 SEC W 150 FT N 30 DEG 58 MIN 44 SEC E 100 FT S 59 DEG 01 MIN 16 SEC E 150 FT S 30 DEG 58 MIN 44 SEC W 100 FT TO POB BEING LOT 421 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 | 421 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 13902 |
Source: Polk County assessment roll, APN 26-28-27-000000-041520, as of June 23, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 440 FLAGLER RD, WINTER HAVEN, FL 33884-1024 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 29, 2021 | Special Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Jul 16, 2021 | Warranty Deed, Transfer ZILLOW CLOSING SERVICES LLC |
| Dec 28, 2017 | Deed of Trust, Mortgage · Line of Credit JP MORGAN CHASE BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 29, 2021 · Amount on Record |
| Deed Sale | Sep 29, 2021 · Amount on Record |
| Prior Sale | Jul 16, 2021 · Amount on Record |
| Deed Document Number | 2021254379 |
| Deed Book / Page | 11915 / 1227 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 29, 2021 |
| Property Address | 440 FLAGLER RD, WINTER HAVEN, FL 33884-1024 |
| Document Number | 0000254379 |
| Book / Page | 11915 / 1227 |
| Instrument Date | Sep 21, 2021 |
| Instrument | 2021254379 |
| Transaction Type | Transfer |
| Record Updated | Aug 02, 2022 |
| Title Company | WATSON TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,401.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4343 N SCOTTSDALE RD STE 390, 4343, SCOTTSDALE, AZ 85251-3347 |
| Name | Verified Name |
|---|---|
| Address | 440 FLAGLER RD, WINTER HAVEN, FL 33884-1024 |
| Document Number | 0119151229 |
|---|---|
| Date | Sep 29, 2021 |
| Instrument | 11915/1229 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 16, 2021 |
| Property Address | 440 FLAGLER RD, WINTER HAVEN, FL 33884-1024 |
| Document Number | 0000185269 |
| Book / Page | 11806 / 1903 |
| Instrument Date | Jul 13, 2021 |
| Instrument | 2021185269 |
| Transaction Type | Transfer |
| Record Updated | Aug 02, 2022 |
| Title Company | ZILLOW CLOSING SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,174.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 440 FLAGLER RD, 440, WINTER HAVEN, FL 33884-1024 |
| Name | Verified Name |
|---|---|
| Address | 4343 N SCOTTSDALE RD STE 390, 390, SCOTTSDALE, AZ 85251-3347 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 440 FLAGLER RD, WINTER HAVEN, FL 33884-1024 |
| Document Number | 0103651357 |
| Book / Page | 010365 / 001357 |
| Instrument Date | Dec 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2018 |
| Name | Verified Name |
|---|---|
| Address | 440 FLAGLER RD WINTER HAVEN FL 338841024, WINTER HAVEN, FL 33884-1024 |
| Document Number | 0103651357 |
|---|---|
| Date | Jan 10, 2018 |
| Book Page | 010365/001357 |
| Instrument | 7871 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 09, 2048 |
| Rate Type | Adjustable Rate |
|---|
Source: Polk County assessment roll as of June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,878.00 (-7.07%) Homeowner's exemption | $333,066 (+5.99%) | $363,458 (-0.08%) Land $64,509 Building $298,949 |
| 2023 | $4,173.00 (+2.4%) Homeowner's exemption | $314,251 (+3%) | $363,742 (+19.22%) Land $63,009 Building $300,733 |
| 2022 | $4,075.00 Homeowner's exemption | $305,098 Land $35,000 Building $270,098 | $305,098 Land $35,000 Building $270,098 |
Source: FEMA National Flood Hazard Layer, Polk County (12105C), as of October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050139021, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 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 |
| 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 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: FCC Broadband Data Collection, 192 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
Source: EPA Safe Drinking Water Information System, water system FL6531992, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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