1. Home
  2. Florida
  3. Polk County
  4. Winter Haven
  5. Fox Trl

4654 Fox Trl, Winter Haven, FL 33881 Property Records

Polk County property record for 4654 Fox Trl, Winter Haven, FL 33881

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,675 sqft · built 2019
Lot Size0.197 acres (8,564 sqft)
OwnerIndividual Name on Record
Last Sale$204,990 (May 2019)
Tax Bill$262 (2025)
Deeds & MortgagesAug 2021 Mortgage
May 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN25-28-12-339907-000020

Property Details

APN / Parcel Number

Primary APN25-28-12-339907-000020
Alternative APNs
  • 122825339907000020
  • 22825000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,675 sqft Living Area
Gross Area2,075 sqft
1st Floor Area1,675 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area8,564 sqft (0.197 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area400 sqft
PorchUnfinished Open Porch
Porch Area20 sqft

Location & Zoning

Street Address4654 FOX TRL
CityWINTER HAVEN
StateFL
Zip33881-9102
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionST JAMES CROSSING PB 149 PGS 44-45 LOT 2
Legal Range25E
Legal Township28S
Legal Section12
Legal SubdivisionST JAMES CROSSING
Legal Tract339907
Legal Block3
Legal Lot Number2
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group3
Census Block3036
Census Tract13002

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 RecordIndividual Name on Record
Mailing Address4654 FOX TRL, WINTER HAVEN, FL 33881-9102
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 24, 2021Deed of Trust, Mortgage · Conventional Mortgage
ZILLOW HOME LOANS LLC
May 1, 2019Grant Deed, Subdivision Related Transfer · Conventional Mortgage
FBC MTG

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 1, 2019 · Amount on Record
Deed SaleMay 1, 2019 · Amount on Record
Prior SaleOct 1, 2016 · Amount on Record
Deed Document Number201989423
Deed Book / Page10828 / 488
Record UpdatedOct 29, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address4654 FOX TRL, WINTER HAVEN, FL 33881-9102
Transaction TypeMortgage
Record UpdatedSep 6, 2021
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address4654 FOX TRL, WINTER HAVEN, FL 33881-9102

Mortgage

Document Number0000219885
DateAug 24, 2021
Book Page11859/1876
Instrument2021219885
Lender
NameZILLOW HOME LOANS LLC
TypeMortgage Company
AddressLEAWOOD, KS 66211
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2051

May 2019: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionPOLK FL
Recording DateMay 1, 2019
Property Address4654 FOX TRL, WINTER HAVEN, FL 33881-9102
Document Number0108280488
Book / Page010828 / 000488
Instrument DateApr 29, 2019
Instrument89423
Transaction TypeSubdivision Related Transfer
Record UpdatedMay 15, 2019
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,434.93
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4654 FOX TRL WINTER HAVEN FL 338819102, WINTER HAVEN, FL 33881-9102

Mortgage

Document Number108280490
DateMay 1, 2019
Book Page010828/000490
Instrument89424
Lender
NameFBC MTG
TypeMortgage Company
AddressORLANDO, FL 32801
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 30, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$74,262 (+2.7%)$230,159 (-1.65%) Land $42,000 Building $188,159
2025$262.00 (+5.65%) Homeowner's exemption$72,310 (+5.99%)$234,020 (-7.15%) Land $42,000 Building $192,020
2023$248.00 (+2.06%) Homeowner's exemption$68,225 (+3%)$252,039 (+15.28%) Land $40,000 Building $212,039
2022$243.00 Homeowner's exemption$66,238$218,628 Land $40,000 Building $178,628

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 10 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies10 in force
Nearby Flood Claims4 (2004)
Claims Outside the SFHA1 of 4
Most Recent ClaimSep 2004 · Hurricane Frances
Claims by Event
  • Hurricane Frances, Sep 2004 · 3 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 RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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 360 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000

May also be available: Frontier.

Nearby Properties on Fox Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures