441 E Central Ave, Winter Haven, FL 33880 Property Records

Polk County property record for 441 E Central Ave, Winter Haven, FL 33880 · Last verified July 2026

Property Highlights

Property Type	Commercial > Office > Commercial Office
Year Built	Built 1999
Square Footage	5,248 sqft Gross Area
Lot Size	20,103 sqft (0.462 acres)
Last Sale	$650,000 (2023)
Tax Bill	$12,018.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`26-28-28-604000-006140`
Alternative APNs	`282826604000006140` `82826000`

Interior

Units	2 Units
Building Area	5,248 sqft Gross Area
1st Floor	5,248 sqft 1st Floor
Stories	1 Stories

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1999
Fire Resistance Class	Buildings having exterior walls built of a non-combustible material such as brick, concrete, block or poured concrete. Interior partitions and roof structure are built of combustible materials. Floor may be concrete or wood frame.
Lot Area	20,103 sqft (0.462 acres)
Depth X Width	134 ft x 150 ft Depth x Width
Canopy Area	576 sqft Canopy

Location & Zoning

Street Address	441 E CENTRAL AVE
City	WINTER HAVEN
State	FL
Zip	33880-3051
Property Usage	Commercial Property Usage
Type	Commercial > Office > Commercial Office
Legal Description	REVISED MAP OF FERNWOOD ADD PB 3 PG 77 BLK 6 LOTS 14 THRU 16
Legal Range	26E
Legal Township	28S
Legal Section	28
Legal Subdivision	FERNWOOD ADDITION REVISED MAP OF
Legal Tract	604000
Legal Block	6
Legal Lot Number	14-16
Jurisdiction	POLK FL
Minor Civil Division	WINTER HAVEN-AUBURNDALE
Census Blockgroup	2
Census Block	2034
Census Tract	13702

Owner

Source: Polk County records · APN 26-28-28-604000-006140

Assessment roll updated 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	Company Name on File
Mailing Address	441 E CENTRAL AVE, WINTER HAVEN, FL 33880-3051
Owner Type	Owner is a Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 05, 2023 · Amount on Record
Deed Sale	May 05, 2023 · Amount on Record
Prior Sale	Oct 01, 2002 · Amount on Record
Deed Doc Number	2023104532
Deed Book / Page	12679 / 311
Record Refreshed	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 05, 2023
Property Address	441 E CENTRAL AVE, WINTER HAVEN, FL 33880-3051
Document Number	0000104532
Book / Page	12679 / 311
Map Reference	MB 3 PG 77
Instrument Date	May 02, 2023
Instrument	2023104532
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,550.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4, WINTER HAVEN, FL 33882-0004

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 E CENTRAL AVE, WINTER HAVEN, FL 33880-3051

Mortgage

Document Number	0012679313
Date	May 05, 2023
Instrument	12679/313

Lender

Name	CENTRAL AVENUE ASSOCIATES LLC

Agreement

Type	Stand Alone First Mortgage
Amount	Amount Recorded
Term	84 Months
Due	May 01, 2030

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 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

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	$12,018.00 (+8.04%)	$631,774 (+3.76%) Land $185,953 Building $445,821	$631,774 (+3.76%) Land $185,953 Building $445,821
2024	$11,124.00 (-5.13%)
2023	$11,725.00 (+100.94%)	$608,883 (+2.98%) Land $155,798 Building $453,085	$608,883 (+2.98%) Land $155,798 Building $453,085
2022	$5,835.00	$591,235 Land $155,798 Building $435,437	$591,235 Land $155,798 Building $435,437

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the Winter Haven Heights Historic Residential District listed 2000 · 147 contributing resources · NRIS 00000660

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.