Polk County property record for 4683 Ostero St, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,616 sqft · built 2024 |
| Lot Size | 0.126 acres (5,475 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $359,999 (Aug 2024) |
| Tax Bill | $4,400 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit Aug 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-15-688505-001390 |
| Primary APN | 26-29-15-688505-001390 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,616 sqft Living Area |
| Gross Area | 3,056 sqft |
| 1st Floor Area | 1,088 sqft |
| Upper Floors Area | 1,528 sqft |
| 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 | 5,475 sqft (0.126 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 40 sqft |
| Street Address | 4683 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 139 |
| Legal Subdivision | VILLAMAR PHASE 6 AND PHASE 6D |
| Legal Lot Number | 139 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 4 |
| Census Block | 4029 |
| Census Tract | 14501 |
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 | 4683 OSTERO ST, WINTER HAVEN, FL 33884-3778 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Nov 14, 2025 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Aug 5, 2024 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 5, 2024 · Amount on Record |
| Deed Sale | Aug 5, 2024 · Amount on Record |
| Deed Document Number | 2024180167 |
| Deed Book / Page | 13217 / 1191 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 4683 OSTERO ST, WINTER HAVEN, FL 33884-3778 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000270219 |
|---|---|
| Date | Nov 14, 2025 |
| Book Page | 13778/1621 |
| Instrument | 2025270219 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 5, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 5, 2024 |
| Property Address | 4683 OSTERO ST, WINTER HAVEN, FL 33884-3778 |
| Document Number | 0000180167 |
| Book / Page | 13217 / 1191 |
| Map Reference | MB 203 PG 7-17 |
| Instrument Date | Jul 31, 2024 |
| Instrument | 2024180167 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,520.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7835 OSCEOLA POLK LINE RD, DAVENPORT, FL 33896-9100 |
| Name | Verified Name |
|---|---|
| Address | 4683 OSTERO STREET, WINTER HAVEN, FL 33884-3778 |
| Document Number | 0132171192 |
|---|---|
| Date | Aug 5, 2024 |
| Instrument | 13217/1192 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2054 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $269,161 (-3.45%) Land $50,000 Building $219,161 | $269,161 (-3.45%) Land $50,000 Building $219,161 | |
| 2025 | $4,400.00 | $278,783 Land $50,000 Building $228,783 | $278,783 Land $50,000 Building $228,783 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 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 |
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