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4687 Ostero St, Winter Haven, FL 33884 Property Records

Polk County property record for 4687 Ostero St, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,456 sqft · built 2024
Lot Size0.156 acres (6,787 sqft)
OwnerIndividual Name on Record
Last Sale$351,315 (Jan 2025)
Tax Bill$4,708 (2025)
Deeds & MortgagesJan 2025 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-29-15-688505-001380

Property Details

APN / Parcel Number

Primary APN26-29-15-688505-001380
Alternative APN
  • 152926688505001380

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,456 sqft Living Area
Gross Area2,876 sqft
1st Floor Area1,018 sqft
Upper Floors Area1,324 sqft

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area6,787 sqft (0.156 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area420 sqft
PorchUnfinished Open Porch
Porch Area30 sqft

Location & Zoning

Street Address4687 OSTERO ST
CityWINTER HAVEN
StateFL
Zip33884-3778
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionVILLAMAR PHASE 6 AND PHASE 6D PB 203 PGS 7-17 LOT 138
Legal SubdivisionVILLAMAR PHASE 6 AND PHASE 6D
Legal Lot Number138
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group4
Census Block4029
Census Tract14501

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 Address4687 OSTERO ST, WINTER HAVEN, FL 33884-3778
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 28, 2025 · Amount on Record
Deed SaleJan 28, 2025 · Amount on Record
Deed Document Number202519549
Deed Book / Page13413 / 1218
Record UpdatedOct 29, 2026

January 2025: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionPOLK FL
Recording DateJan 28, 2025
Property Address4687 OSTERO ST, WINTER HAVEN, FL 33884-3778
Document Number0000019549
Book / Page13413 / 1218
Map ReferenceMB 203 PG 7-17
Instrument DateJan 23, 2025
Instrument2025019549
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 13, 2026
Title CompanyDHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,459.80
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address7835 OSCEOLA POLK LINE RD, DAVENPORT, FL 33896-9100

Transferred To (Grantee/Buyer)

NameVerified Name
Address4687 OSTERO ST, WINTER HAVEN, FL 33884-3778

Mortgage

Document Number0134131219
DateJan 28, 2025
Instrument13413/1219
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2055

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$258,384 (+2.6%) Land $52,000 Building $206,384$258,384 (+2.6%) Land $52,000 Building $206,384
2025$4,708.00$251,845 Land $52,000 Building $199,845$251,845 Land $52,000 Building $199,845

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 97 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies97 in force
Nearby Flood Claims8 (2004–2022)
Claims Outside the SFHA4 of 8
Most Recent ClaimSep 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 RiskHigh
above 86% of the US · above 78% of Florida
Wildfire Likelihood0.6% annual chance
ExposureDirect
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 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 250 locations within half a mile, as of December 31, 2025

ProviderMax 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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