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545 Ave K SE, Winter Haven, FL 33880 Property Records

Polk County property record for 545 Ave K SE, Winter Haven, FL 33880

Property Summary

Property TypeCommercial Office
Details1,950 sqft · built 1983
Lot Size0.11 acres (4,805 sqft)
OwnerCompany Name on Record
Last Sale$360,000 (May 2023)
Tax Bill$5,639 (2025)
Deeds & MortgagesMay 2023 Sale & Mortgage
Jul 2021 Transfer
Flood ZoneZone X (minimal risk)
APN26-28-28-614500-000020

Property Details

APN / Parcel Number

Primary APN26-28-28-614500-000020
Alternative APNs
  • 282826614500000020
  • 82826000

Interior

Units2 Units
Stories1 Story
Building Area1,950 sqft Gross Area
1st Floor Area1,950 sqft

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 2011
Fire ResistanceMasonry Walls, Wood Interior
Lot Area4,805 sqft (0.11 acres)
Garage Area2,400 sqft

Location & Zoning

Street Address545 AVENUE K SE
CityWINTER HAVEN
StateFL
Zip33880-4215
Property CategoryCommercial
Property TypeCommercial > Office > Commercial Office
Local Zoning CodeRP
Legal DescriptionREPLAT OF WILROY HEIGHTS PB 28 PG 13 GROVE #1 W 39 FT OF E 346.5 FT OF S 123 FT BEING LOT 1 OF UNREC CYPRESS SQUARE
Legal Range26E
Legal Township28S
Legal Section28
Legal SubdivisionWILROY HEIGHTS REPLAT
Legal Tract614500
Legal Block2
Legal Lot Number1
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2046
Census Tract13901

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 RecordCompany Name on Record
Mailing Address6039 CYPRESS GARDENS BLVD, WINTER HAVEN, FL 33884-4115
Owner TypeCompany
VestingLimited Liability Company

Deeds, Mortgages & Sale History

DateDocument
May 12, 2023Warranty Deed, Transfer · Seller Carry-Back
JIMMY R DURHAM LIVING TRUST
Jul 26, 2021Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 12, 2023 · Amount on Record
Deed SaleMay 12, 2023 · Amount on Record
Deed Document Number2023111195
Deed Book / Page12688 / 2166
Prior Transfer DateJul 26, 2021
Prior Transfer Doc0000193016
Record UpdatedOct 29, 2026

May 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMay 12, 2023
Property Address545 AVENUE K SE, WINTER HAVEN, FL 33880-4215
Document Number0000111195
Book / Page12688 / 2166
Map ReferenceMB 28 PG 13
Instrument DateMay 1, 2023
Instrument2023111195
Transaction TypeTransfer
Record UpdatedMay 25, 2023
Title CompanyEXECUTIVE TITLE/CTRL FL INC, EXECUTIVE TTL OF CTRL FL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,520.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 7395, WINTER HAVEN, FL 33883-7395

Transferred To (Grantee/Buyer)

NameVerified Name
Address6039 CYPRESS GARDENS BLVD # 165, 165, WINTER HAVEN, FL 33884-4115

Mortgage

Document Number0126882167
DateMay 12, 2023
Instrument12688/2167
Lender
NameJIMMY R DURHAM LIVING TRUST
TypeSeller
Agreement
TypeSeller Carry-Back
AmountAmount Recorded
Term361 Months
DueJun 1, 2053

July 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPOLK FL
Recording DateJul 26, 2021
Property Address545 AVENUE K SE, WINTER HAVEN, FL 33880-4215
Document Number0000193016
Book / Page11818 / 259
Map ReferenceMB 28 PG 13
Instrument DateJul 26, 2021
Instrument2021193016
Transaction TypeTransfer
Record UpdatedJun 7, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Living Trust
AddressPO BOX 7395, WINTER HAVEN, FL 33883-7395

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$312,456 (+1%)$382,266 (+16.32%) Land $28,818 Building $236,188
2025$5,639.00 (+58.49%)$284,051 (+30.05%)$328,637 (+50.46%) Land $28,818 Building $237,625
2023$3,558.00 (+7.52%)$218,420 (+5.99%) Land $25,456 Building $192,964$218,420 (+5.99%) Land $25,456 Building $192,964
2022$3,309.00$206,074 Land $25,456 Building $180,618$206,074 Land $25,456 Building $180,618

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies2 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 RiskNot rated
no burnable land within 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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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 347 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Starlink
Satellite		280 / 30

May also be available: Verizon.

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