Polk County property record for 45 Hampden Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,582 sqft · built 1967 |
| Lot Size | 0.241 acres (10,511 sqft) |
| Owner | Individual Name on File |
| Last Sale | $124,000 (Apr 2019) |
| Tax Bill | $1,276 (2025) |
| Deeds & Mortgages | Apr 2019 Sale & Mortgage Mar 2019 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-34-660300-000170 |
| Primary APN | 26-28-34-660300-000170 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,582 sqft Living Area |
| Gross Area | 1,414 sqft |
| 1st Floor Area | 1,414 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 10,511 sqft (0.241 acres) |
| Lot Dimensions | 150 ft deep x 70 ft wide |
| View / Lot | Commercial/Industrial |
| Pool Area | 496 sqft |
|---|---|
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 440 sqft |
| Utility Building | 96 sqft |
| Street Address | 45 HAMPDEN RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2004 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | DUGGER REPLAT PB 47 PG 4 LOT 17 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 34 |
| Legal Subdivision | DUGGER REPLAT |
| Legal Tract | 660300 |
| Legal Block | 2 |
| Legal Lot Number | 17 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2036 |
| Census Tract | 14005 |
45 Hampden Rd is owned and occupied by an individual who bought it in April 2019.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 HAMPDEN RD, WINTER HAVEN, FL 33884-2004 |
| 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.
| Date | Document |
|---|---|
| Apr 25, 2019 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MTG |
| Mar 12, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Sep 18, 2018 | Trustee's Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 25, 2019 · Amount on File |
| Deed Sale | Apr 25, 2019 · Amount on File |
| Prior Sale | Mar 12, 2019 · Amount on File |
| Deed Document Number | 201984160 |
| Deed Book / Page | 10820 / 1799 |
| Prior Transfer Date | Sep 18, 2018 |
| Prior Transfer Doc | 0000198238 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 25, 2019 |
| Property Address | 45 HAMPDEN RD, WINTER HAVEN, FL 33884-2004 |
| Document Number | 0108201799 |
| Book / Page | 010820 / 001799 |
| Instrument Date | Apr 15, 2019 |
| Instrument | 84160 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2019 |
| Title Company | REAL ESTATE TITLE SERVICES LLC, REAL ESTATE TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $868.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 45 HAMPDEN RD WINTER HAVEN FL 338842004, WINTER HAVEN, FL 33884-2004 |
| Document Number | 108201800 |
|---|---|
| Date | Apr 25, 2019 |
| Book Page | 010820/001800 |
| Instrument | 84161 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 24, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 12, 2019 |
| Property Address | 45 HAMPDEN RD, WINTER HAVEN, FL 33884-2004 |
| Document Number | 0107741831 |
| Book / Page | 010774 / 001831 |
| Instrument Date | Mar 8, 2019 |
| Instrument | 49042 |
| Transaction Type | Transfer |
| Record Updated | Mar 25, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $819.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2401 CYPRESS GARDENS BLVD WINTER HAVEN FL 338842122, WINTER HAVEN, FL 33884-2122 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 18, 2018 |
| Property Address | 45 HAMPDEN RD, WINTER HAVEN, FL 33884-2004 |
| Document Number | 0106151358 |
| Book / Page | 010615 / 001358 |
| Instrument Date | Sep 5, 2018 |
| Instrument | 198238 |
| Transaction Type | Foreclosure |
| Record Updated | Oct 1, 2018 |
| Amount | Amount on Record |
|---|---|
| Tax | $701.40 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 45 Hampden Rd was $1,276 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $140,441 (+2.7%) | $218,071 (+1.8%) Land $42,044 Building $176,027 | |
| 2025 | $1,276.00 Homeowner's exemption | $136,749 | $214,220 Land $39,942 Building $174,278 |
| 2023 | $1,711.00 (+4.65%) Homeowner's exemption | $129,024 (+3%) | $227,169 (+9.53%) Land $38,891 Building $188,278 |
| 2022 | $1,635.00 Homeowner's exemption | $125,266 | $207,401 Land $32,584 Building $174,817 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Hampden Rd in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1978.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 33 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 33 in force |
| Nearby Flood Claims | 13 (1978–2026) |
| Claims Outside the SFHA | 6 of 13 |
| Most Recent Claim | Jun 2026 · rainfall accumulation |
| Claims by Event |
|
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 risk around 45 Hampden Rd is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 231 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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