Polk County property record for 475 E Central Ave, Winter Haven, FL 33880 · Last verified July 2026
| Property Type | Commercial > Office > Medical Building |
|---|---|
| Year Built | Built 2001 |
| Square Footage | 3,316 sqft Gross Area |
| Lot Size | 20,774 sqft (0.477 acres) |
| Garage | Carport, 760 sqft |
| Last Sale | $950,000 (2026) |
| Tax Bill | $9,712.00 (2025) |
| Primary APN | 26-28-28-604000-006170 |
|---|---|
| Alternative APNs |
|
| Units | 2 Units |
|---|---|
| Building Area | 3,316 sqft Gross Area |
| 1st Floor | 3,316 sqft 1st Floor |
| Stories | 1 Stories |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 2001 |
| Fire Resistance Class | Buildings having exterior walls built of a non-combustible material such as brick, concrete, block or poured concrete. Interior partitions and roof structure are built of combustible materials. Floor may be concrete or wood frame. |
| Lot Area | 20,774 sqft (0.477 acres) |
| Depth X Width | 134 ft x 150 ft Depth x Width |
| Garage Type | Carport Garage |
| Garage Area | 760 sqft Garage |
| Carport | Carport |
| Carport Area | 760 sqft Carport |
| Street Address | 475 E CENTRAL AVE |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-3051 |
| Property Usage | Commercial Property Usage |
| Type | Commercial > Office > Medical Building |
| Legal Description | REVISED MAP OF FERNWOOD ADD PB 3 PG 77 BLK 6 LOTS 17 THRU 19 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 28 |
| Legal Subdivision | FERNWOOD ADDITION REVISED MAP OF |
| Legal Tract | 604000 |
| Legal Block | 6 |
| Legal Lot Number | 17-19 |
| Jurisdiction | POLK FL |
| Minor Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Blockgroup | 2 |
| Census Block | 2034 |
| Census Tract | 13702 |
Source: Polk County records · APN 26-28-28-604000-006170
Assessment roll updated June 23, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1510 S LAKE ROCHELLE DR, WINTER HAVEN, FL 33881-9645 |
| Owner Type | Owner is a Company |
| Date | Document |
|---|---|
| Jan 27, 2026 | Warranty Deed, Construction Loan · Building or Construction Mortgage CITIZENS BANK & TRUST |
| Feb 21, 2018 | Deed of Trust, Mortgage BRANCH BK&TR |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 27, 2026 · Amount on Record |
| Deed Sale | Jan 27, 2026 · Amount on Record |
| Prior Sale | Oct 16, 2013 · Amount on Record |
| Deed Doc Number | 202620974 |
| Deed Book / Page | 13859 / 2254 |
| Prior Transfer Date | Jul 20, 2010 |
| Prior Transfer Doc | 0000120292 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 27, 2026 |
| Property Address | 475 E CENTRAL AVE, WINTER HAVEN, FL 33880-3051 |
| Document Number | 0000020974 |
| Book / Page | 13859 / 2254 |
| Map Reference | MB 3 PG 77 |
| Instrument Date | Dec 15, 2025 |
| Instrument | 2026020974 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 11, 2026 |
| Title Company | SWAN CITY TITLE COMPANY LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,650.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 280288, TAMPA, FL 33682-0288 |
| Name | Verified Name |
|---|---|
| Address | 1510 S LAKE ROCHELLE DR, WINTER HAVEN, FL 33881-9645 |
| Document Number | 0013865167 |
|---|---|
| Date | Jan 27, 2026 |
| Instrument | 13865/167 |
| Name | CITIZENS BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 0000024815 |
|---|---|
| Date | Jan 30, 2026 |
| Book Page | 13865/177 |
| Instrument | 2026024815 |
| Name | CITIZENS BANK & TRUST |
|---|---|
| Type | Bank |
| Address | FROSTPROOF, FL 33843 |
| Type | Small Business Association Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 475 E CENTRAL AVE, WINTER HAVEN, FL 33880-3051 |
| Document Number | 0096823710 |
| Instrument Date | Feb 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Document Number | 0096823710 |
|---|---|
| Date | Feb 23, 2018 |
| Book Page | 009682/003710 |
| Instrument | 31424 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | PO BOX 1290, WHITEVILLE, NC 28472-1290 |
| Amount | Amount Recorded |
|---|
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,712.00 (+5.12%) | $508,421 (+5.96%) | $516,116 (+7.56%) Land $192,160 Building $323,956 |
| 2023 | $9,239.00 (-2.18%) | $479,827 (-1.26%) Land $160,999 Building $318,828 | $479,827 (-1.26%) Land $160,999 Building $318,828 |
| 2022 | $9,445.00 | $485,962 Land $160,999 Building $324,963 | $485,962 Land $160,999 Building $324,963 |
Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026
| Historic District | Within the Winter Haven Heights Historic Residential District listed 2000 · 147 contributing resources · NRIS 00000660 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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