4675 Ostero St, Winter Haven, FL 33884 Property Records

Polk County property record for 4675 Ostero St, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,522 sqft · built 2025
Lot Size	0.101 acres (4,382 sqft)
Owner	Individual Name on File
Last Sale	$325,990 (Apr 2025)
Tax Bill	$934 (2025)
Deeds & Mortgages	Apr 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-15-688505-001410`

Property Details

APN / Parcel Number

Primary APN	`26-29-15-688505-001410`
Alternative APN	`152926688505001410`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,522 sqft Living Area
Gross Area	2,940 sqft
1st Floor Area	1,052 sqft
Upper Floors Area	1,470 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	4,382 sqft (0.101 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	418 sqft
Porch	Unfinished Open Porch
Porch Area	30 sqft

Location & Zoning

Street Address	4675 OSTERO ST
City	WINTER HAVEN
State	FL
Zip	33884-3778
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAMAR PHASE 6 AND PHASE 6D PB 203 PGS 7-17 LOT 141
Legal Subdivision	VILLAMAR PHASE 6 AND PHASE 6D
Legal Lot Number	141
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4029
Census Tract	14501

Owner

Source: Polk County records · APN 26-29-15-688505-001410

Assessment roll updated July 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	4675 OSTERO ST, WINTER HAVEN, FL 33884-3778
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 01, 2025 · Amount on Record
Deed Sale	Apr 01, 2025 · Amount on Record
Deed Document Number	202573051
Deed Book / Page	13488 / 1802
Record Updated	Sep 20, 2026

April 2025: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 01, 2025
Property Address	4675 OSTERO ST, WINTER HAVEN, FL 33884-3778
Document Number	0000073051
Book / Page	13488 / 1802
Map Reference	MB 203 PG 7-17
Instrument Date	Mar 27, 2025
Instrument	2025073051
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
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,282.00
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	4675 OSTERO ST, WINTER HAVEN, FL 33884-3778

Mortgage

Document Number	0134881803
Date	Apr 01, 2025
Instrument	13488/1803

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2055

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$934.00	$50,000 Land $50,000	$50,000 Land $50,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	High above 86% of the US · above 78% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 250 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WINTER HAVEN WATER DEPARTMENT serves 87,537 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.