610 Ridge Ter, Winter Haven, FL 33881 Property Records

Polk County property record for 610 Ridge Ter, Winter Haven, FL 33881

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,073 sqft · built 1997
Lot Size	0.026 acres (1,140 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Mar 2023)
Tax Bill	$2,473 (2025)
Deeds & Mortgages	Mar 2023 Sale Jan 2023 Foreclosure + 4 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-09-530002-001650`

Property Details

APN / Parcel Number

Primary APN	`26-28-09-530002-001650`
Alternative APNs	`092826530002001650` `92826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,073 sqft Living Area
1st Floor Area	1,073 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Condo/Apartment
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	1,140 sqft (0.026 acres)
Porch	Porch
Porch Area	290 sqft

Location & Zoning

Street Address	610 RIDGE TER
City	WINTER HAVEN
State	FL
Zip	33881-5815
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	WINTER RIDGE CONDOMINIUMS OR 3047 PGS 2235 THRU 2286 UNIT 165 AND UNDIVIDED INTEREST IN THE COMMON ELEMENTS AS PER CONDO DECLARATION
Legal Range	26E
Legal Township	28S
Legal Section	09
Legal Subdivision	WINTER RIDGE CONDO
Legal Tract	530002
Legal Block	1
Legal Lot Number	165
Legal Unit	165
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1001
Census Tract	13602

Owner

610 Ridge Ter, a condominium, is owned by an individual who bought it in March 2023.

Source: Polk County records, as of September 28, 2026

Owner of Record	Individual Name on File
Mailing Address	8201 N EMPIRE AVE, CITRUS SPRINGS, FL 34433-4961
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jan 17, 2023	Trustee's Deed, Foreclosure
Aug 30, 2019	Loan Modification, Mortgage CENTERSTATE BK NA
Jan 15, 2019	Loan Modification, Mortgage · Line of Credit CENTERSTATE BK NA
Aug 29, 2018	Loan Modification, Mortgage CENTERSTATE BK NA
May 31, 2018	Loan Modification, Mortgage CENTERSTATE BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2023 · Amount on File
Deed Sale	Mar 13, 2023 · Amount on File
Prior Sale	Jan 17, 2023 · Amount on File
Deed Document Number	202358675
Deed Book / Page	12614 / 488
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 13, 2023
Property Address	610 RIDGE TER, WINTER HAVEN, FL 33881-5815
Document Number	0000058675
Book / Page	12614 / 488
Map Reference	MB 3047 PG 2235
Instrument Date	Mar 10, 2023
Instrument	2023058675
Transaction Type	Transfer
Record Updated	Jun 20, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$1,155.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2320 S ORANGE AVE, ORLANDO, FL 32806-3047

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	635 AUSTRALIAN WAY, DAVENPORT, FL 33897-5711

January 2023: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	POLK FL
Recording Date	Jan 17, 2023
Property Address	610 RIDGE TER, WINTER HAVEN, FL 33881-5815
Document Number	0000011457
Book / Page	12552 / 658
Map Reference	MB 3047 PG 2235
Instrument Date	Jan 17, 2023
Instrument	2023011457
Transaction Type	Foreclosure
Record Updated	Jun 20, 2023

Transaction

Amount	Amount on Record
Tax	$49.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 S ORANGE AVE STE 800, 800, ORLANDO, FL 32801-6404
Mail Care Of	BURR & FORMAN FTL

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	610 RIDGE TER, WINTER HAVEN, FL 33881-5815
Document Number	0110022065
Instrument Date	Aug 30, 2019
Transaction Type	Mortgage
Record Updated	Oct 28, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7590 SW 159TH PL MIAMI FL 331932929, MIAMI, FL 33193-2929

Mortgage

Document Number	0110022065
Date	Oct 10, 2019
Book Page	011002/002065
Instrument	215557

Lender

Name	CENTERSTATE BK NA
Type	Bank
Address	WINTER HAVEN, FL 33880

Agreement

Amount	Amount on Record

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	610 RIDGE TER, WINTER HAVEN, FL 33881-5815
Document Number	0107450762
Instrument Date	Jan 15, 2019
Transaction Type	Mortgage
Record Updated	Feb 22, 2019

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7590 SW 159TH PL MIAMI FL 331932929, MIAMI, FL 33193-2929

Mortgage

Document Number	0107450762
Date	Feb 7, 2019
Book Page	010745/000762
Instrument	26100

Lender

Name	CENTERSTATE BK NA
Type	Bank
Address	WINTER HAVEN, FL 33880

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	610 RIDGE TER, WINTER HAVEN, FL 33881-5815
Document Number	0106131978
Instrument Date	Aug 29, 2018
Transaction Type	Mortgage
Record Updated	Oct 4, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7590 SW 159TH PL MIAMI FL 331932929, MIAMI, FL 33193-2929

Mortgage

Document Number	0106131978
Date	Sep 17, 2018
Book Page	010613/001978
Instrument	196949

Lender

Name	CENTERSTATE BK NA
Type	Bank
Address	WINTER HAVEN, FL 33880

Agreement

Amount	Amount on Record

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	610 RIDGE TER, WINTER HAVEN, FL 33881-5815
Document Number	0105270899
Instrument Date	May 31, 2018
Transaction Type	Mortgage
Record Updated	Jul 11, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7590 SW 159TH PL MIAMI FL 331932929, MIAMI, FL 33193-2929

Mortgage

Document Number	0105270899
Date	Jun 25, 2018
Book Page	010527/000899
Instrument	134819

Lender

Name	CENTERSTATE BK NA
Type	Bank
Address	WINTER HAVEN, FL 33880

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 610 Ridge Ter was $2,473.

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		$126,500 (-2.69%) Land $100 Building $126,400	$126,500 (-2.69%) Land $100 Building $126,400
2025	$2,473.00	$130,000 Land $100 Building $129,900	$130,000 Land $100 Building $129,900
2023	$1,858.00 (+7.34%)	$135,000 (+6.3%) Land $100 Building $134,900	$135,000 (+6.3%) Land $100 Building $134,900
2022	$1,731.00	$127,000 Land $100 Building $126,900	$127,000 Land $100 Building $126,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 610 Ridge Ter 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% 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

Wildfire risk around 610 Ridge Ter is low, with a 0.02% annual chance of 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 176 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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