Polk County property record for 5418 Struthers Rd SE, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,281 sqft · built 1985 |
| Lot Size | 0.146 acres (6,360 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $50,500 (Nov 2010) |
| Tax Bill | $443 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Jan 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-29-06-855563-000100 |
| Primary APN | 27-29-06-855563-000100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,281 sqft Living Area |
| Gross Area | 1,785 sqft |
| 1st Floor Area | 1,281 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 6,360 sqft (0.146 acres) |
| Lot Dimensions | 106 ft deep x 60 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 27 sqft |
| Cooling System | Central |
|---|
| Street Address | 5418 STRUTHERS RD SE |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2617 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FOX RIDGE PHASE ONE PB 77 PG 50 & 51 LOT 10 |
| Legal Range | 27E |
| Legal Township | 29S |
| Legal Section | 06 |
| Legal Subdivision | FOX RIDGE PHASE ONE |
| Legal Phase | 1 |
| Legal Tract | 855563 |
| Legal Block | 1 |
| Legal Lot Number | 10 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 1 |
| Census Block | 1046 |
| Census Tract | 14123 |
5418 Struthers Rd SE is owned and occupied by two individuals who bought it in November 2010.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5418 STRUTHERS RD SE, WINTER HAVEN, FL 33884-2617 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MTG |
| Jan 26, 2017 | Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 15, 2010 · Amount on File |
| Deed Sale | Nov 15, 2010 · Amount on File |
| Prior Sale | Jul 7, 2010 |
| Deed Document Number | 2010180752 |
| Deed Book / Page | 8258 / 1646 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 5418 STRUTHERS RD SE, WINTER HAVEN, FL 33884-2617 |
| Document Number | 0113260695 |
| Instrument Date | Jul 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 5418 STRUTHERS RD SE WINTER HAVEN FL 338842617, WINTER HAVEN, FL 33884-2617 |
| Document Number | 0113260695 |
|---|---|
| Date | Aug 7, 2020 |
| Book Page | 011326/000695 |
| Instrument | 159425 |
| Name | CROSSCOUNTRY MTG |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 6, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 5418 STRUTHERS RD SE, WINTER HAVEN, FL 33884-2617 |
| Document Number | 0100531735 |
| Instrument Date | Jan 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5418 STRUTHERS RD SE WINTER HAVEN FL 338842617, WINTER HAVEN, FL 33884-2617 |
| Document Number | 0100531735 |
|---|---|
| Date | Feb 1, 2017 |
| Book Page | 010053/001735 |
| Instrument | 20457 |
| Name | ROYAL UNITED MTG |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46250 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 31, 2047 |
The 2025 property tax bill for 5418 Struthers Rd SE was $443 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $74,642 (+2.7%) | $199,800 (-5.28%) Land $37,000 Building $162,800 | |
| 2025 | $443.00 Homeowner's exemption | $72,680 | $210,930 Land $37,000 Building $173,930 |
| 2023 | $902.00 (+4.04%) Homeowner's exemption | $68,575 (+3%) | $197,890 (+13.67%) Land $36,000 Building $161,890 |
| 2022 | $867.00 Homeowner's exemption | $66,578 | $174,092 Land $30,000 Building $144,092 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5418 Struthers Rd SE in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File median of 26 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 26 in force |
| Nearby Flood Claims | 24 (1979–2022) |
| Claims Outside the SFHA | 3 of 24 |
| 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.
Wildfire risk around 5418 Struthers Rd SE is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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.
Source: FCC Broadband Data Collection, based on 444 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 |
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