4635 Ostero St, Winter Haven, FL 33884 Property Records

Polk County property record for 4635 Ostero St, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,618 sqft · built 2024
Lot Size	0.101 acres (4,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$284,999 (Nov 2024)
Tax Bill	$4,218 (2025)
Deeds & Mortgages	Nov 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-15-688505-001510`

Property Details

APN / Parcel Number

Primary APN	`26-29-15-688505-001510`
Alternative APN	`152926688505001510`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,618 sqft Living Area
Gross Area	2,047 sqft
1st Floor Area	1,618 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	4,400 sqft (0.101 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	429 sqft
Porch	Unfinished Open Porch
Porch Area	112 sqft

Location & Zoning

Street Address	4635 OSTERO ST
City	WINTER HAVEN
State	FL
Zip	33884-3776
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAMAR PHASE 6 AND PHASE 6D PB 203 PGS 7-17 LOT 151
Legal Subdivision	VILLAMAR PHASE 6 AND PHASE 6D
Legal Lot Number	151
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4029
Census Tract	14501

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 Record	2 Individual Names on Record
Mailing Address	4635 OSTERO ST, WINTER HAVEN, FL 33884-3776
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2024 · Amount on Record
Deed Sale	Nov 12, 2024 · Amount on Record
Deed Document Number	2024255797
Deed Book / Page	13328 / 2108
Record Updated	Oct 29, 2026

November 2024: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 12, 2024
Property Address	4635 OSTERO ST, WINTER HAVEN, FL 33884-3776
Document Number	0000255797
Book / Page	13328 / 2108
Map Reference	MB 203 PG 7-17
Instrument Date	Oct 25, 2024
Instrument	2024255797
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 13, 2026
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7835 OSCEOLA POLK LINE RD, DAVENPORT, FL 33896-9100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4635 OSTERO ST, WINTER HAVEN, FL 33884-3776

Mortgage

Document Number	0133282109
Date	Nov 12, 2024
Instrument	13328/2109

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2054

Tax Assessment & Valuation

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		$216,736 (-3.93%) Land $50,000 Building $166,736	$216,736 (-3.93%) Land $50,000 Building $166,736
2025	$4,218.00	$225,612 Land $50,000 Building $175,612	$225,612 Land $50,000 Building $175,612

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	High above 86% of the US · above 78% of Florida
Wildfire Likelihood	0.6% 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 250 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