45 Coleman Rd, Winter Haven, FL 33880 Property Records

Polk County property record for 45 Coleman Rd, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,259 sqft · built 1972
Lot Size	0.155 acres (6,739 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Jul 2018)
Tax Bill	$1,886 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-28-25-354100-015261`

Property Details

APN / Parcel Number

Primary APN	`25-28-25-354100-015261`
Alternative APN	`52825000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,259 sqft Living Area
Gross Area	1,586 sqft
1st Floor Area	1,259 sqft
Flooring	Terrazzo
Interior Walls	Wood

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2004
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	6,739 sqft (0.155 acres)
Lot Dimensions	104 ft deep x 65 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	327 sqft
Porch	Unfinished Open Porch
Porch Area	84 sqft

Location & Zoning

Street Address	45 COLEMAN RD
City	WINTER HAVEN
State	FL
Zip	33880-1410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	JAN PHYL VILLAGE UNIT 10 PB 45 PG 38 BLK O LOT 26
Legal Range	25E
Legal Township	28S
Legal Section	25
Legal Subdivision	JAN PHYL VILLAGE UNIT 10
Legal Tract	354100
Legal Block	O
Legal Lot Number	26
Legal Unit	10
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1024
Census Tract	13802

Owner

45 Coleman Rd is owned and occupied by two individuals who bought it in July 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	45 COLEMAN RD, WINTER HAVEN, FL 33880-1410
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
Sep 20, 2019	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LN SERVICING
Jul 9, 2018	Warranty Deed, Transfer FAIRWAY INDEPENDENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2018 · Amount on File
Deed Sale	Jul 9, 2018 · Amount on File
Prior Sale	May 26, 2016 · Amount on File
Deed Document Number	2018145213
Deed Book / Page	10542 / 670
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	45 COLEMAN RD, WINTER HAVEN, FL 33880-1410
Document Number	0109991018
Instrument Date	Sep 20, 2019
Transaction Type	Mortgage
Record Updated	Oct 24, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 COLEMAN RD WINTER HAVEN FL 338801410, WINTER HAVEN, FL 33880-1410

Mortgage

Document Number	0109991018
Date	Oct 8, 2019
Book Page	010999/001018
Instrument	212958

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 7, 2049

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 9, 2018
Property Address	45 COLEMAN RD, WINTER HAVEN, FL 33880-1410
Document Number	0105420670
Book / Page	010542 / 000670
Instrument Date	Jun 29, 2018
Instrument	145213
Transaction Type	Transfer
Record Updated	Jul 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$875.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 COLEMAN RD WINTER HAVEN FL 338801410, WINTER HAVEN, FL 33880-1410

Mortgage

Document Number	105420672
Date	Jul 9, 2018
Book Page	010542/000672
Instrument	145214

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 8, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 45 Coleman Rd was $1,886 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		$184,059 (-3.69%) Land $14,500 Building $169,559	$184,059 (-3.69%) Land $14,500 Building $169,559
2025	$1,886.00 Homeowner's exemption	$191,105 Land $14,500 Building $176,605	$191,105 Land $14,500 Building $176,605
2023	$2,440.00 (-0.45%) Homeowner's exemption	$192,028 (+8.91%) Land $14,000 Building $178,028	$192,028 (+8.91%) Land $14,000 Building $178,028
2022	$2,451.00	$176,314 Land $11,500 Building $164,814	$176,314 Land $11,500 Building $164,814

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

Flood

FEMA maps place 45 Coleman Rd 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2008 · Tropical Storm Fay

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 45 Coleman Rd is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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	CENTRAL serves 13,595 people · EPA ID FL6534609
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 546 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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