4403 Rapallo Ave, Winter Haven, FL 33884 Property Records

Polk County property record for 4403 Rapallo Ave, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,978 sqft · built 2023
Lot Size	0.149 acres (6,508 sqft)
Owner	2 Individual Names on File
Last Sale	$366,900 (Aug 2023)
Tax Bill	$4,920 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-23-690583-001520`

Property Details

APN / Parcel Number

Primary APN	`26-29-23-690583-001520`
Alternative APN	`232926690583001520`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,978 sqft Living Area
Gross Area	2,398 sqft
1st Floor Area	1,978 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	6,508 sqft (0.149 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	30 sqft

Location & Zoning

Street Address	4403 RAPALLO AVE
City	WINTER HAVEN
State	FL
Zip	33884-3552
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAMAR PHASE 5 PB 194 PG 46-51 LOT 152
Legal Subdivision	VILLAMAR PHASE 5
Legal Block	4
Legal Lot Number	152
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4029
Census Tract	14501

Owner

4403 Rapallo Ave is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	4403 RAPALLO AVE, WINTER HAVEN, FL 33884-3552
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2023 · Amount on File
Deed Sale	Aug 10, 2023 · Amount on File
Deed Document Number	2023187282
Deed Book / Page	12796 / 695
Record Updated	Oct 29, 2026

August 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 10, 2023
Property Address	4403 RAPALLO AVE, WINTER HAVEN, FL 33884-3552
Document Number	0000187282
Book / Page	12796 / 695
Map Reference	MB 194 PG 46-51
Instrument Date	Aug 4, 2023
Instrument	2023187282
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 9, 2024
Title Company	CAREFREE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,568.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5337 MILLENIA LAKES BLVD STE 410, 410, ORLANDO, FL 32839-6302

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4403 RAPALLO AVE, WINTER HAVEN, FL 33884-3552

Mortgage

Document Number	0012796698
Date	Aug 10, 2023
Instrument	12796/698

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 4403 Rapallo Ave was $4,920.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$259,422 (-1.42%) Land $52,000 Building $207,422	$259,422 (-1.42%) Land $52,000 Building $207,422
2025	$4,920.00	$263,163 Land $52,000 Building $211,163	$263,163 Land $52,000 Building $211,163

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

Flood

FEMA maps place 4403 Rapallo Ave 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 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 4403 Rapallo Ave is high, ranking above 77% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 77% of the US · above 64% of Florida
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 473 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20