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

Polk County property record for 551 Ave K SE, Winter Haven, FL 33880

Property Summary

Property Type	Medical Building
Details	1,792 sqft · built 1983
Lot Size	0.096 acres (4,199 sqft)
Owner	Company Name on Record
Last Sale	$466,000 (Oct 2024)
Tax Bill	$6,876 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Oct 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-28-614500-000170`

Property Details

APN / Parcel Number

Primary APN	`26-28-28-614500-000170`
Alternative APNs	`282826614500000170` `82826000`

Interior

Units	2 Units
Stories	1 Story
Building Area	1,792 sqft Gross Area
1st Floor Area	1,792 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1997
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	4,199 sqft (0.096 acres)
View / Lot	Commercial
Canopy	234 sqft

Location & Zoning

Street Address	551 AVENUE K SE
City	WINTER HAVEN
State	FL
Zip	33880-4215
Property Category	Commercial
Property Type	Commercial > Office > Medical Building
Local Zoning Code	RP
Legal Description	REPLAT OF WILROY HEIGHTS PB 28 PGS 13 GROVE #1 W 30 FT OF E 307.5 FT OF S 140 FT BEING LOT 2 OF UNREC CYPRESS SQUARE
Legal Range	26E
Legal Township	28S
Legal Section	28
Legal Subdivision	WILROY HEIGHTS REPLAT
Legal Tract	614500
Legal Block	2
Legal Lot Number	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2046
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	Company Name on Record
Mailing Address	4348 DUCK DOWN LN, WINTER HAVEN, FL 33884-3293
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2023	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Oct 23, 2024	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jul 30, 2018	Warranty Deed, Transfer · Line of Credit BANK OF CTRL FL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2024 · Amount on Record
Deed Sale	Oct 23, 2024 · Amount on Record
Prior Sale	Jul 30, 2018 · Amount on Record
Deed Document Number	2024239537
Deed Book / Page	13305 / 1582
Prior Transfer Date	Jul 23, 2018
Prior Transfer Doc	0000160958
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	551 AVENUE K SE, WINTER HAVEN, FL 33880-4215
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 AVENUE K SE, WINTER HAVEN, FL 33880-4215

Mortgage

Document Number	0000231193
Date	Oct 3, 2023
Book Page	12856/1888
Instrument	2023231193

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33801

Agreement

Type	Line of Credit
Amount	Amount Recorded

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 23, 2024
Property Address	551 AVENUE K SE, WINTER HAVEN, FL 33880-4215
Document Number	0000239537
Book / Page	13305 / 1582
Map Reference	MB 28 PG 13
Instrument Date	Oct 21, 2024
Instrument	2024239537
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$3,262.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	250 3RD ST NW # NW101, NW101, WINTER HAVEN, FL 33881-4605

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4348 DUCK DOWN LN, WINTER HAVEN, FL 33884-3293

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 30, 2018
Property Address	551 AVENUE K SE, WINTER HAVEN, FL 33880-4215
Document Number	0105631358
Book / Page	010563 / 001358
Instrument Date	Jul 23, 2018
Instrument	160958
Transaction Type	Transfer
Record Updated	Aug 10, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,330.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	551 AVENUE K SE WINTER HAVEN FL 338804215, WINTER HAVEN, FL 33880-4215

Mortgage

Document Number	105631360
Date	Jul 30, 2018
Book Page	010563/001360
Instrument	160959

Lender

Name	BANK OF CTRL FL
Type	Bank
Address	LAKELAND, FL 33813

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$397,615 (+1%)	$548,933 (+51.86%) Land $30,443 Building $141,161
2025	$6,876.00 (+84.59%)	$361,468 (+75.56%) Land $30,443 Building $146,341	$361,468 (+75.56%) Land $30,443 Building $146,341
2024	$3,725.00 (-4.51%)
2023	$3,901.00 (+7.82%)	$205,895 (+6.08%) Land $22,255 Building $183,640	$205,895 (+6.08%) Land $22,255 Building $183,640
2022	$3,618.00	$194,098 Land $22,255 Building $171,843	$194,098 Land $22,255 Building $171,843

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	Not 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 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 347 locations within half a mile, as of December 31, 2025

Provider	Max 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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