603 Thomas Ave, Winter Haven, FL 33880 Property Records

Polk County property record for 603 Thomas Ave, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,236 sqft · built 1969
Lot Size	0.149 acres (6,499 sqft)
Owner	Individual Name on Record
Last Sale	$67,000 (Mar 2015)
Tax Bill	$491 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Apr 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-28-25-354100-011270`

Property Details

APN / Parcel Number

Primary APN	`25-28-25-354100-011270`
Alternative APN	`52825000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,236 sqft Living Area
1st Floor Area	1,020 sqft
Flooring	Carpet
Interior Walls	Wood

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	6,499 sqft (0.149 acres)
Lot Dimensions	100 ft deep x 65 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	228 sqft
Carport	Carport
Carport Area	228 sqft

Exterior Amenities

Pool Area	512 sqft
Porch	Florida Room
Porch Area	268 sqft
Utility Building	72 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	603 THOMAS AVE
City	WINTER HAVEN
State	FL
Zip	33880-1405
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	JAN PHYL VILLAGE UNIT 10 PB 45 PG 38 BLK K LOT 27
Legal Range	25E
Legal Township	28S
Legal Section	25
Legal Subdivision	JAN PHYL VILLAGE UNIT 10
Legal Tract	354100
Legal Block	K
Legal Lot Number	27
Legal Unit	10
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1007
Census Tract	13802

Owner

Source: Polk County records, as of June 23, 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	603 THOMAS AVE, WINTER HAVEN, FL 33880-1405
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE PROS
Apr 19, 2024	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Nov 23, 2019	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2015 · Amount on Record
Deed Sale	Mar 26, 2015 · Amount on Record
Prior Sale	Aug 5, 2014 · Amount on Record
Deed Document Number	201553556
Deed Book / Page	9484 / 2224
Prior Transfer Date	Jul 27, 2004
Prior Transfer Doc	0058730778
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Jul 23, 2026
Property Address	603 THOMAS AVE, WINTER HAVEN, FL 33880-1405
Document Number	0000175787
Book / Page	14086 / 752
Instrument Date	Jan 14, 2026
Instrument	2026175787
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	UNITED WHOLESALE MORTGAGE LL

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 THOMAS AVE, WINTER HAVEN, FL 33880-1405

Mortgage

Document Number	0000175787,
Date	Jul 23, 2026
Book Page	14086/752
Instrument	2026175787

Lender

Name	MORTGAGE PROS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	319 Months
Due	Feb 1, 2053

Interest

Rate	6.21%
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	603 THOMAS AVE, WINTER HAVEN, FL 33880-1405
Transaction Type	Mortgage
Record Updated	May 6, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 THOMAS AVE, WINTER HAVEN, FL 33880-1405

Mortgage

Document Number	0000089729
Date	Apr 19, 2024
Book Page	13083/1624
Instrument	2024089729

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	308 Months
Due	Dec 1, 2049

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	603 THOMAS AVE, WINTER HAVEN, FL 33880-1405
Document Number	0110600075
Instrument Date	Nov 23, 2019
Transaction Type	Mortgage
Record Updated	Dec 18, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 THOMAS AVE WINTER HAVEN FL 338801405, WINTER HAVEN, FL 33880-1405

Mortgage

Document Number	0110600075
Date	Dec 3, 2019
Book Page	011060/000075
Instrument	254952

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2049

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 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
2025	$491.00 (-55.88%) Homeowner's exemption	$78,210 (+5.99%)	$173,184 (+0.64%) Land $14,500 Building $158,684
2024	$1,113.00 (+15.46%)
2023	$964.00 (+5.13%) Homeowner's exemption	$73,792 (+3%)	$172,083 (+12.37%) Land $14,000 Building $158,083
2022	$917.00 Homeowner's exemption	$71,643	$153,143 Land $11,500 Building $141,643

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2008 · Tropical Storm Fay

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 67% of the US · lower than 92% of Florida
Wildfire Likelihood	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	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 546 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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