604 Hatfield Rd, Winter Haven, FL 33880 Property Records

Polk County property record for 604 Hatfield Rd, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,288 sqft · built 1978
Lot Size	0.234 acres (10,202 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Aug 2023)
Tax Bill	$1,933 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Feb 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-28-25-354560-000110`

Property Details

APN / Parcel Number

Primary APN	`25-28-25-354560-000110`
Alternative APN	`52825000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,288 sqft Living Area
1st Floor Area	1,288 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1990
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	10,202 sqft (0.234 acres)
Lot Dimensions	120 ft deep x 85 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	12 sqft
Patio Area	120 sqft
Utility Building	100 sqft

Location & Zoning

Street Address	604 HATFIELD RD
City	WINTER HAVEN
State	FL
Zip	33880-1700
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	EMERALD ESTS UNIT 1 PB 65 PG 5 LOT 11
Legal Range	25E
Legal Township	28S
Legal Section	25
Legal Subdivision	EMERALD ESTATES UNIT #1
Legal Tract	354560
Legal Block	2
Legal Lot Number	11
Legal Unit	1
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2004
Census Tract	13802

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	2 Individual Names on Record
Mailing Address	604 HATFIELD RD, WINTER HAVEN, FL 33880-1700
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2023	Warranty Deed, Transfer · Conventional Mortgage HOME ACCESS FINANCIAL LLC
Feb 2, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 18, 2022	Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2023 · Amount on Record
Deed Sale	Aug 29, 2023 · Amount on Record
Prior Sale	Feb 2, 2023 · Amount on Record
Deed Document Number	2023202900
Deed Book / Page	12817 / 1240
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 29, 2023
Property Address	604 HATFIELD RD, WINTER HAVEN, FL 33880-1700
Document Number	0000202900
Book / Page	12817 / 1240
Map Reference	MB 65 PG 5
Instrument Date	Aug 4, 2023
Instrument	2023202900
Transaction Type	Transfer
Record Updated	Sep 14, 2023
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	450 TAFT DR, DAVENPORT, FL 33837-3693

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	604 HATFIELD RD, WINTER HAVEN, FL 33880-1700

Mortgage

Document Number	0128171245
Date	Aug 29, 2023
Instrument	12817/1245

Lender

Name	HOME ACCESS FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Mortgage

Document Number	0000202903
Date	Aug 29, 2023
Book Page	12817/1259
Instrument	2023202903

Lender

Name	HOME ACCESS FINANCIAL LLC
Type	Mortgage Company
Address	TAMPA, FL 33602

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 2, 2023
Property Address	604 HATFIELD RD, WINTER HAVEN, FL 33880-1700
Document Number	0000025846
Book / Page	12570 / 1038
Map Reference	MB 65 PG 5
Instrument Date	Jan 31, 2023
Instrument	2023025846
Transaction Type	Transfer
Record Updated	Feb 15, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,778.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 HATFIELD RD, WINTER HAVEN, FL 33880-1700

Mortgage

Document Number	0125701040
Date	Feb 2, 2023
Instrument	12570/1040

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 18, 2022
Property Address	604 HATFIELD RD, WINTER HAVEN, FL 33880-1700
Document Number	0000301138
Book / Page	12488 / 799
Map Reference	MB 65 PG 5
Instrument Date	Nov 16, 2022
Instrument	2022301138
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$1,001.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4062 PICKRIEY DRIVE, WINTER HAVEN, FL 33881

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 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
2026		$189,996 (+0.13%) Land $30,000 Building $159,996	$189,996 (+0.13%) Land $30,000 Building $159,996
2025	$1,933.00 (-34.23%) Homeowner's exemption	$189,755 (+3.39%) Land $30,000 Building $159,755	$189,755 (+3.39%) Land $30,000 Building $159,755
2023	$2,939.00 (+272.5%)	$183,528 (+278.7%) Land $29,000 Building $154,528	$183,528 (+10.48%) Land $29,000 Building $154,528
2022	$789.00 Homeowner's exemption	$48,463	$166,115 Land $24,000 Building $142,115

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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
Flood Insurance Cost	Premium on Record median of 14 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	5 (2004–2017)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Frances, Sep 2004 · 3 claims

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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% 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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