5159 Crystal Beach Rd, Winter Haven, FL 33880 Property Records

Polk County property record for 5159 Crystal Beach Rd, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,067 sqft · built 2019
Lot Size	1.45 acres (63,528 sqft)
Owner	2 Individual Names on Record
Last Sale	$62,500 (Apr 2018)
Tax Bill	$3,230 (2025)
Deeds & Mortgages	Jan 2026 Mortgage May 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`25-29-11-000000-011340`

Property Details

APN / Parcel Number

Primary APN	`25-29-11-000000-011340`
Alternative APNs	`112925000000011340` `12925000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,067 sqft Living Area
Gross Area	3,692 sqft
1st Floor Area	3,067 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Metal
Lot Area	63,528 sqft
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	625 sqft
Porch	Unfinished Open Porch
Porch Area	435 sqft
Shed	1 Shed

Location & Zoning

Street Address	5159 CRYSTAL BEACH RD
City	WINTER HAVEN
State	FL
Zip	33880-4923
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 133.2 FT OF W 464.29 FT OF FOLL DESC: S1/2 OF SE1/4 OF SE1/4 OF SEC 2 T29 R25 LESS N 501.68 FT THEREOF & LESS W 425 FT THEREOF & E 133.2 FT OF W 464.29 FT OF FOLL DESC: NE1/4 OF NE1/4 OF SEC 11 T29 R25 LYING N OF CO MAINT CRYSTAL BEACH RD & THORNHI
Legal Range	25E
Legal Township	29S
Legal Section	11
Legal Subdivision	GRUBBS NILON
Legal Block	3
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	3
Census Block	3018
Census Tract	14701

Owner

Source: Polk County records, as of September 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 1123, EAGLE LAKE, FL 33839-1123
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2026	Deed of Trust, Mortgage · Stand-Alone First Mortgage MIDFLORIDA CU
May 26, 2022	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Jun 5, 2020	Deed of Trust, Mortgage AMERIS BK
Jan 16, 2019	Quit Claim Deed, Transfer Quitclaim
Sep 18, 2018	Trustee's Deed, Construction Loan · Construction Mortgage MIDFLORIDA CU ISAOA
Apr 2, 2018	Warranty Deed, Transfer PARAMOUNT TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2018 · Amount on Record
Deed Sale	Apr 2, 2018 · Amount on Record
Deed Document Number	201868877
Deed Book / Page	10439 / 1967
Last Transfer Date	Nov 30, 2018
Transfer Doc	0000009926
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	5159 CRYSTAL BEACH RD, WINTER HAVEN, FL 33880-4923
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001903
Date	Jan 5, 2026
Book Page	13833/473
Instrument	2026001903

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2041

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	5159 CRYSTAL BEACH RD, WINTER HAVEN, FL 33880-4923
Transaction Type	Mortgage
Record Updated	Jun 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000144653
Date	May 26, 2022
Book Page	12270/1799
Instrument	2022144653

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 26, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	5159 CRYSTAL BEACH RD, WINTER HAVEN, FL 33880-4923
Document Number	0112640014
Instrument Date	Jun 5, 2020
Transaction Type	Mortgage
Record Updated	Jul 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5159 CRYSTAL BEACH RD WINTER HAVEN FL 338804923, WINTER HAVEN, FL 33880-4923

Mortgage

Document Number	0112640014
Date	Jun 12, 2020
Book Page	011264/000014
Instrument	117354

Lender

Name	AMERIS BK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2050

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Jan 16, 2019
Property Address	5159 CRYSTAL BEACH RD, WINTER HAVEN, FL 33880-4923
Document Number	0107250172
Book / Page	010725 / 000172
Instrument Date	Nov 30, 2018
Instrument	9926
Transaction Type	Transfer
Record Updated	Feb 5, 2019

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

September 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	POLK FL
Recording Date	Sep 18, 2018
Property Address	5159 CRYSTAL BEACH RD, WINTER HAVEN, FL 33880-4923
Document Number	0106151842
Book / Page	010615 / 001842
Instrument Date	Sep 18, 2018
Instrument	198363
Transaction Type	Construction Loan
Record Updated	Oct 3, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1078 MOTORCOACH DR POLK CITY FL 338685115, POLK CITY, FL 33868-5115

Mortgage

Document Number	106151842
Date	Sep 18, 2018
Book Page	010615/001842
Instrument	198363

Lender

Name	MIDFLORIDA CU ISAOA
Type	Credit Union
Address	LAKELAND, FL 33802-8008

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2048

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 2, 2018
Property Address	5159 CRYSTAL BEACH RD, WINTER HAVEN, FL 33880-4923
Document Number	0104391967
Book / Page	010439 / 001967
Instrument Date	Mar 27, 2018
Instrument	68877
Transaction Type	Transfer
Record Updated	Apr 18, 2018
Title Company	PARAMOUNT TITLE

Transaction

Amount	Amount Recorded
Tax	$437.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 701 FORT MEADE FL 338410701, FORT MEADE, FL 33841-0701

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		$297,896 (+2.7%)	$516,893 (+0.04%) Land $33,543 Building $483,350
2025	$3,230.00 (-10.55%) Homeowner's exemption	$290,064 (+5.99%)	$516,696 (-17.6%) Land $33,543 Building $483,153
2023	$3,611.00 (+2.76%) Homeowner's exemption	$273,679 (+3%)	$627,054 (+17.27%) Land $32,814 Building $594,240
2022	$3,514.00 Homeowner's exemption	$265,708	$534,708 Land $27,272 Building $507,436

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 39 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	2 (2022)
Most Recent Claim	Oct 2022 · Hurricane Ian

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 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct 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 System	CENTRAL serves 13,595 people · EPA ID FL6534609
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 332 locations within half a mile, as of December 31, 2025

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

May also be available: Frontier.

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