Polk County property record for 5045 Kaia Ave, Winter Haven, FL 33884
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 0.149 acres (6,473 sqft) |
| Owner | Individual Name on File |
| Last Sale | $319,200 (Jul 2026) |
| Tax Bill | $934 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-15-688505-003600 |
| Primary APN | 26-29-15-688505-003600 |
|---|---|
| Alternative APN |
|
| Lot Area | 6,473 sqft (0.149 acres) |
|---|
| Street Address | 5045 KAIA AVE |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3767 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | VILLAMAR PHASE 6 AND PHASE 6D PB 203 PGS 7-17 LOT 360 |
| Legal Subdivision | VILLAMAR PHASE 6 AND PHASE 6D |
| Legal Lot Number | 360 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 4 |
| Census Block | 4029 |
| Census Tract | 14501 |
Source: Polk County assessment roll, as of July 23, 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 | 5045 KAIA AVE, WINTER HAVEN, FL 33884-3767 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 29, 2026 · Amount on Record |
| Deed Sale | Jul 29, 2026 · Amount on Record |
| Deed Document Number | 2026181683 |
| Deed Book / Page | 14094 / 961 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 29, 2026 |
| Property Address | 5045 KAIA AVE, WINTER HAVEN, FL 33884-3767 |
| Document Number | 0000181683 |
| Book / Page | 14094 / 961 |
| Instrument Date | Jul 24, 2026 |
| Instrument | 2026181683 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2026 |
| Title Company | CAREFREE TITLE AGENCY INC, CAREFREE TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $225,674.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5045 KAIA AVE, WINTER HAVEN, FL 33884-3767 |
| Document Number | 0000181684, |
|---|---|
| Date | Jul 29, 2026 |
| Instrument | 2026181684 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.99% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
Source: Polk County assessment roll, as of July 23, 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 |
|---|---|---|---|
| 2025 | $934.00 (-69.24%) | $50,000 Land $50,000 | $50,000 Land $50,000 |
| 2024 | $3,036.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 82% of the US · above 72% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
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