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  5. Fernandez St

448 Fernandez St, Winter Haven, FL 33880 Property Records

Polk County property record for 448 Fernandez St, Winter Haven, FL 33880

Property Summary

Property TypeMobile Home
Details1,344 sqft · built 2002
Lot Size10.7 acres (467,800 sqft)
Owner2 Individual Names on Record
Last Sale$18,900 (Sep 2002)
Tax Bill$2,100 (2025)
Deeds & MortgagesJun 2026 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN26-29-28-691003-000170

Property Details

APN / Parcel Number

Primary APN26-29-28-691003-000170
Alternative APNs
  • 282926691003000170
  • 82926000

Interior

Building Area1,344 sqft Living Area
1st Floor Area1,344 sqft

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Architectural StyleMobile Home
Lot Area467,800 sqft
View / LotCommercial/Industrial

Location & Zoning

Street Address448 FERNANDEZ ST
CityWINTER HAVEN
StateFL
Zip33880-6132
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Legal DescriptionRIDGE ACRES PHASE IV UNIT I PB 115 PGS 26 & 27 LOT 17
Legal Range26E
Legal Township29S
Legal Section28
Legal SubdivisionRIDGE ACRES PHASE IV UNIT 1
Legal PhaseIV
Legal Tract691003
Legal Block4
Legal Lot Number17
Legal Unit1
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group4
Census Block4050
Census Tract14501

Owner

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 Record2 Individual Names on Record
Mailing Address4165 SW DARIEN ST, PORT SAINT LUCIE, FL 34953-6108
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 17, 2002 · Amount on Record
Deed SaleSep 17, 2002 · Amount on Record
Deed Book / Page5115 / 911
Record UpdatedOct 29, 2026

June 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJun 10, 2026
Property Address448 FERNANDEZ ST, WINTER HAVEN, FL 33880-6132
Document Number0000139520
Book / Page14034 / 216
Instrument DateJun 5, 2026
Instrument2026139520
Transaction TypeTransfer
Record UpdatedJun 23, 2026
Title CompanyCLOSETRAK LLC, CLOSED LLC

Transaction

AmountAmount Recorded
Tax$70.70
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4165 SW DARIEN ST, PORT SAINT LUCIE, FL 34953-6108

Mortgage

Document Number0000139521,
DateJun 10, 2026
Instrument2026139521
Lender
NameBEAZER MORTGAGE CORPORATION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 1, 2056
Interest
Rate TypeFixed Rate
Rate6.3%
Initial TypeFixed Rate
Max Rate-1%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$164,255 (+2.58%) Land $62,945 Building $101,310$164,255 (-0.97%) Land $62,945 Building $101,310
2025$2,100.00 (-16.07%)$160,131 (+123.29%)$165,863 (+23.79%) Land $62,945 Building $102,918
2024$2,502.00 (+172.25%)
2023$919.00 (+3.96%) Homeowner's exemption$71,713 (+3%)$133,985 (+9.18%) Land $41,795 Building $92,190
2022$884.00 Homeowner's exemption$69,624$122,714 Land $35,215 Building $87,499

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

Flood

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

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayYes
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 97 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies97 in force
Nearby Flood Claims8 (2004–2022)
Claims Outside the SFHA4 of 8
Most Recent ClaimSep 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

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

Wildfire RiskHigh
above 75% of the US · above 61% of Florida
Wildfire Likelihood0.4% annual chance
ExposureNone
beyond ember reach

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 108 locations within half a mile, as of December 31, 2025

ProviderMax 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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