522 Ave C SE, Winter Haven, FL 33880 Property Records

Polk County property record for 522 Ave C SE, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1958
Lot Size	0.273 acres (11,901 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Aug 2022)
Tax Bill	$2,657 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Feb 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-28-608600-000060`

Property Details

APN / Parcel Number

Primary APN	`26-28-28-608600-000060`
Alternative APNs	`282826608600000060` `82826000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2010
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Other
Lot Area	11,901 sqft (0.273 acres)
Lot Dimensions	126 ft deep x 85 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	308 sqft
Carport	Carport
Carport Area	308 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	165 sqft
Utility Building	154 sqft

Location & Zoning

Street Address	522 AVENUE C SE
City	WINTER HAVEN
State	FL
Zip	33880-3248
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	HAZEL PARK PB 40 PG 31 LOT 6 & W 25 FT OF 7 & THAT PART OF VACATED ALLEY LYING S OF SAME
Legal Range	26E
Legal Township	28S
Legal Section	28
Legal Subdivision	HAZEL PARK
Legal Tract	608600
Legal Block	2
Legal Lot Number	6
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2000
Census Tract	13901

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	522 AVENUE C SE, WINTER HAVEN, FL 33880-3248
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2022	Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 23, 2022	Warranty Deed, Transfer · Commercial Mortgage NEWPORT HOLDING LLC
Jan 11, 2022	Warranty Deed, Transfer · Commercial Mortgage ANCHOR NATIONWIDE LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2022 · Amount on Record
Deed Sale	Aug 22, 2022 · Amount on Record
Prior Sale	Feb 23, 2022 · Amount on Record
Deed Document Number	2022227816
Deed Book / Page	12388 / 901
Prior Transfer Date	Nov 9, 1998
Prior Transfer Doc	0000067119
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 22, 2022
Property Address	522 AVENUE C SE, WINTER HAVEN, FL 33880-3248
Document Number	0000227816
Book / Page	12388 / 901
Map Reference	MB 40 PG 31
Instrument Date	Aug 16, 2022
Instrument	2022227816
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2499 OLD LAKE MARY RD # RD104, RD104, SANFORD, FL 32771-4194

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 AVENUE C SE, WINTER HAVEN, FL 33880-3248

Mortgage

Document Number	0000227817
Date	Aug 22, 2022
Book Page	12388/903
Instrument	2022227817

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 23, 2022
Property Address	522 AVENUE C SE, WINTER HAVEN, FL 33880-3248
Document Number	0000048819
Book / Page	12129 / 461
Map Reference	MB 40 PG 31
Instrument Date	Feb 16, 2022
Instrument	2022048819
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	PEER TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1607 W CLEVELAND ST # 100, 100, TAMPA, FL 33606-1883

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2499 OLD LAKE MARY RD STE 104, 104, SANFORD, FL 32771-4192

Mortgage

Document Number	0012129463
Date	Feb 23, 2022
Instrument	12129/463

Lender

Name	NEWPORT HOLDING LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 16, 2023

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 11, 2022
Property Address	522 AVENUE C SE, WINTER HAVEN, FL 33880-3248
Document Number	0000009205
Book / Page	12068 / 737
Map Reference	MB 40 PG 31
Instrument Date	Jan 3, 2022
Instrument	2022009205
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	PEER TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$805.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	137 WOOD HALL DR, MULBERRY, FL 33860-8522

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1607 W CLEVELAND ST # 100, 100, TAMPA, FL 33606-1883
Investor	Possibly a Property Investor

Mortgage

Document Number	0012068742
Date	Jan 11, 2022
Instrument	12068/742

Lender

Name	ANCHOR NATIONWIDE LOANS LLC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 10, 2023

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$172,880 (-5.67%) Land $35,410 Building $137,470	$172,880 (-5.67%) Land $35,410 Building $137,470
2025	$2,657.00 (-3.87%) Homeowner's exemption	$183,280 (-1.74%) Land $35,410 Building $147,870	$183,280 (-1.74%) Land $35,410 Building $147,870
2023	$2,764.00 (+11.45%) Homeowner's exemption	$186,524 (+46.13%) Land $30,045 Building $156,479	$186,524 (+46.13%) Land $30,045 Building $156,479
2022	$2,480.00	$127,640 Land $25,070 Building $102,570	$127,640 Land $25,070 Building $102,570

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force

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 98% of the US · lower than 97.6% 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 373 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
Verizon Fixed Wireless	300 / 20

May also be available: Alternative Choice Wireless, Frontier.

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