Polk County property record for 4902 St James Dr, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,531 sqft · built 2011 |
| Lot Size | 0.274 acres (11,922 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $268,000 (Sep 2021) |
| Tax Bill | $3,239 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Mar 2019 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-28-12-339907-001160 |
| Primary APN | 25-28-12-339907-001160 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,531 sqft Living Area |
| Gross Area | 1,931 sqft |
| 1st Floor Area | 1,531 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 11,922 sqft (0.274 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 40 sqft |
| Street Address | 4902 ST JAMES DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33881-9116 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ST JAMES CROSSING PB 149 PGS 44-45 LOT 116 |
| Legal Range | 25E |
| Legal Township | 28S |
| Legal Section | 12 |
| Legal Subdivision | ST JAMES CROSSING |
| Legal Tract | 339907 |
| Legal Block | 3 |
| Legal Lot Number | 116 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 3 |
| Census Block | 3037 |
| Census Tract | 13002 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 4902 ST JAMES DR, WINTER HAVEN, FL 33881-9116 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 8, 2021 | Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC |
| Mar 12, 2019 | Trustee's Deed, Foreclosure NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 8, 2021 · Amount on Record |
| Deed Sale | Sep 8, 2021 · Amount on Record |
| Prior Sale | Mar 12, 2019 · Amount on Record |
| Deed Document Number | 2021234267 |
| Deed Book / Page | 11882 / 2016 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 8, 2021 |
| Property Address | 4902 ST JAMES DR, WINTER HAVEN, FL 33881-9116 |
| Document Number | 0000234267 |
| Book / Page | 11882 / 2016 |
| Map Reference | MB 149 PG 44 |
| Instrument Date | Sep 3, 2021 |
| Instrument | 2021234267 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,876.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 843 OAK SHADOWS RD, 843, CELEBRATION, FL 34747-4227 |
| Name | Verified Name |
|---|---|
| Address | 4902 ST JAMES DR, WINTER HAVEN, FL 33881-9116 |
| Document Number | 0118822018 |
|---|---|
| Date | Sep 8, 2021 |
| Instrument | 11882/2018 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 12, 2019 |
| Property Address | 4902 ST JAMES DR, WINTER HAVEN, FL 33881-9116 |
| Document Number | 0107750859 |
| Book / Page | 010775 / 000859 |
| Instrument Date | Mar 1, 2019 |
| Instrument | 49440 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 26, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $977.20 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 843 OAK SHADOWS RD CELEBRATION FL 347474227, CELEBRATION, FL 34747-4227 |
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 | $208,540 (-2.49%) Land $42,000 Building $166,540 | $208,540 (-2.49%) Land $42,000 Building $166,540 | |
| 2025 | $3,239.00 (+3.52%) Homeowner's exemption | $213,858 (+4.08%) Land $42,000 Building $171,858 | $213,858 (-6.14%) Land $42,000 Building $171,858 |
| 2023 | $3,129.00 (+2.83%) Homeowner's exemption | $205,475 (+3%) | $227,856 (+14.22%) Land $40,000 Building $187,856 |
| 2022 | $3,043.00 Homeowner's exemption | $199,490 Land $40,000 Building $159,490 | $199,490 Land $40,000 Building $159,490 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 4 (2004) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Sep 2004 · Hurricane Frances |
| 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 | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 | TOWER MANOR MOBILE HOME COMMUNITY private · serves 310 people · EPA ID FL6531837 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2025 |
| Also Mapped Here | WINTER HAVEN WATER DEPARTMENT |
| Lead | 2 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 10 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 360 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: Frontier.
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