615 Ave M SE, Winter Haven, FL 33880 Property Records

Polk County property record for 615 Ave M SE, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,192 sqft · built 1962
Lot Size	0.238 acres (10,346 sqft)
Owner	Individual Name on File
Last Sale	$159,000 (Jun 2018)
Tax Bill	$2,609 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-33-651200-000250`

Property Details

APN / Parcel Number

Primary APN	`26-28-33-651200-000250`
Alternative APNs	`332826651200000250` `32826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,192 sqft Living Area
1st Floor Area	1,192 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1962
Effective Year Built	Effective 2010
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	10,346 sqft (0.238 acres)
Lot Dimensions	137 ft deep x 75.2 ft wide
View / Lot	Commercial/Industrial

Exterior Amenities

Porch	Enclosed/Unfinished Porch
Porch Area	310 sqft
Shed	1 Shed
Utility Building	187 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	615 AVENUE M SE
City	WINTER HAVEN
State	FL
Zip	33880-4521
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	CARLS SUB UNIT 2 PB 37 PG 44 LOT 25
Legal Range	26E
Legal Township	28S
Legal Section	33
Legal Subdivision	CARLS SUBDIVISION UNIT 2
Legal Tract	651200
Legal Block	1
Legal Lot Number	25
Legal Unit	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1054
Census Tract	13902

Owner

615 Ave M SE is owned and occupied by an individual who acquired it in May 2022.

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

Owner of Record	Individual Name on File
Mailing Address	615 AVENUE M SE, WINTER HAVEN, FL 33880-4521
Occupancy	Owner Occupied
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
Oct 30, 2025	Deed of Trust, Mortgage · FHA Mortgage UNION HOME MORTGAGE CORP
Oct 28, 2022	Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP
May 24, 2022	Intrafamily Transfer, Transfer
Jun 12, 2018	Grant Deed, Transfer · FHA Mortgage GSF MTG
Jan 8, 2018	Warranty Deed, Transfer LENDINGHOME FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2018 · Amount on File
Deed Sale	Jun 12, 2018 · Amount on File
Prior Sale	Jan 8, 2018 · Amount on File
Deed Document Number	2018125608
Deed Book / Page	10514 / 2084
Last Transfer Date	May 24, 2022
Transfer Doc	0000142263
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	615 AVENUE M SE, WINTER HAVEN, FL 33880-4521
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 AVENUE M SE, WINTER HAVEN, FL 33880-4521

Mortgage

Document Number	0000257424
Date	Oct 30, 2025
Book Page	13760/214
Instrument	2025257424

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Nov 1, 2052

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 28, 2022
Property Address	615 AVENUE M SE, WINTER HAVEN, FL 33880-4521
Document Number	0000285229
Book / Page	12467 / 593
Map Reference	MB 37 PG 44
Instrument Date	Oct 20, 2022
Instrument	2022285229
Transaction Type	Transfer
Record Updated	Nov 10, 2022
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2021 BUCKEYE RD NE, 2021, WINTER HAVEN, FL 33881-2788

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 AVENUE M SE, WINTER HAVEN, FL 33880-4521

Mortgage

Document Number	0012467595
Date	Oct 28, 2022
Instrument	12467/595

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	May 24, 2022
Property Address	615 AVENUE M SE, WINTER HAVEN, FL 33880-4521
Document Number	0000142263
Book / Page	12267 / 808
Map Reference	MB 37 PG 44
Instrument Date	May 24, 2022
Instrument	2022142263
Transaction Type	Transfer
Record Updated	Jun 7, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 AVE K SE, 200, MANGO, FL 33550

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 AVENUE M SE, WAHNETA, FL 33880-4521

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jun 12, 2018
Property Address	615 AVENUE M SE, WINTER HAVEN, FL 33880-4521
Document Number	0105142084
Book / Page	010514 / 002084
Instrument Date	Jun 1, 2018
Instrument	125608
Transaction Type	Transfer
Record Updated	Jul 9, 2018
Title Company	SOUTHERN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,113.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	615 AVENUE M SE WINTER HAVEN FL 338804521, WINTER HAVEN, FL 33880-4521

Mortgage

Document Number	105142086
Date	Jun 12, 2018
Book Page	010514/002086
Instrument	125609

Lender

Name	GSF MTG
Type	Mortgage Company
Address	BROOKFIELD, WI 53005

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 11, 2048

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 8, 2018
Property Address	615 AVENUE M SE, WINTER HAVEN, FL 33880-4521
Document Number	0103611719
Book / Page	010361 / 001719
Instrument Date	Dec 29, 2017
Instrument	4777
Transaction Type	Transfer
Record Updated	Mar 28, 2018
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$640.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	13538 VILLAGE PARK DR #205 ORLANDO FL 328373603, 205, ORLANDO, FL 32837-3603
Investor	Possibly a Property Investor

Mortgage

Document Number	103611720
Date	Jan 8, 2018
Book Page	010361/001720
Instrument	4778

Lender

Name	LENDINGHOME FNDG
Type	Funding / Finance Company
Address	SAN FRANCISCO, CA 94104

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 615 Ave M SE was $2,609 with a homeowner's exemption.

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		$177,435 (-1.82%) Land $33,000 Building $144,435	$177,435 (-1.82%) Land $33,000 Building $144,435
2025	$2,609.00 Homeowner's exemption	$180,724 Land $33,000 Building $147,724	$180,724 Land $33,000 Building $147,724
2023	$2,680.00 (+19.22%) Homeowner's exemption	$182,194 (+21.48%) Land $32,000 Building $150,194	$182,194 (+3.89%) Land $32,000 Building $150,194
2022	$2,248.00 Homeowner's exemption	$149,981	$175,372 Land $27,000 Building $148,372

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

Flood

FEMA maps place 615 Ave M SE in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2004.

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 File median of 18 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	3 (2004–2022)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2022 · Hurricane Ian

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 615 Ave M SE is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 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	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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