515 Hillcrest Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 515 Hillcrest Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,162 sqft · built 1968
Lot Size	0.272 acres (11,835 sqft)
Owner	Individual Name on Record
Last Sale	$107,500 (Oct 2015)
Tax Bill	$1,228 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`26-28-34-660000-001980`

Property Details

APN / Parcel Number

Primary APN	`26-28-34-660000-001980`
Alternative APNs	`342826660000001980` `42826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,162 sqft Living Area
Gross Area	1,488 sqft
1st Floor Area	1,162 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	11,835 sqft (0.272 acres)
Lot Dimensions	150 ft deep x 80 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	326 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	386 sqft
Utility Building	64 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	515 HILLCREST DR
City	WINTER HAVEN
State	FL
Zip	33884-2027
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ELOISE WOODS LAKE ROY UNIT PB 14 PG 19 19A 19B LOT 198 NWLY 50 FT & 199 LESS NWLY 25 FT
Legal Range	26E
Legal Township	28S
Legal Section	34
Legal Subdivision	ELOISE WOODS LAKE ROY UNIT
Legal Tract	660000
Legal Block	2
Legal Lot Number	198
Legal Unit	PB
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2014
Census Tract	14005

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 Record	Individual Name on Record
Mailing Address	515 HILLCREST DR, WINTER HAVEN, FL 33884-2027
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2015 · Amount on Record
Deed Sale	Oct 30, 2015 · Amount on Record
Prior Sale	Jul 28, 2009 · Amount on Record
Deed Document Number	2015196939
Deed Book / Page	9664 / 1534
Prior Transfer Date	Jun 29, 2006
Prior Transfer Doc	0000162577
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	515 HILLCREST DR, WINTER HAVEN, FL 33884-2027
Transaction Type	Mortgage
Record Updated	May 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 HILLCREST DR, WINTER HAVEN, FL 33884-2027

Mortgage

Document Number	0000099122
Date	Apr 30, 2024
Book Page	13097/156
Instrument	2024099122

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	WINTER HAVEN, FL 33880

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Mar 20, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$136,699 (+2.7%)	$228,911 (+5.45%) Land $47,341 Building $181,570
2025	$1,228.00 (-27.55%) Homeowner's exemption	$133,105 (+5.99%)	$217,086 (-4.64%) Land $44,974 Building $172,112
2023	$1,695.00 (+4.76%) Homeowner's exemption	$125,586 (+3%)	$227,656 (+8.78%) Land $43,790 Building $183,866
2022	$1,618.00 Homeowner's exemption	$121,928	$209,284 Land $36,689 Building $172,595

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 33 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	13 (1978–2026)
Claims Outside the SFHA	6 of 13
Most Recent Claim	Jun 2026 · rainfall accumulation
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims Hurricane Frances, Sep 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 Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 148 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20