Polk County property record for 623 Morgan Rd, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,938 sqft · built 2024 |
| Lot Size | 5.65 acres (246,227 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $130,000 (May 2021) |
| Tax Bill | $3,343 (2025) |
| Deeds & Mortgages | May 2024 Construction Loan May 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-29-691101-000120 |
| Primary APN | 26-29-29-691101-000120 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,938 sqft Living Area |
| Gross Area | 2,463 sqft |
| 1st Floor Area | 1,938 sqft |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Mobile Home |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 246,227 sqft |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 525 sqft |
| Porch | Unfinished Open Porch |
| Street Address | 623 MORGAN RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-6129 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PEACE RIVER DEVELOPMENT PB 78 PG 44 LOT 12 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 29 |
| Legal Subdivision | PEACE RIVER DEVELOPMENT |
| Legal Tract | 691101 |
| Legal Block | 1 |
| Legal Lot Number | 12 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 14501 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 623 MORGAN RD, WINTER HAVEN, FL 33880-6129 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 8, 2024 | Deed of Trust, Mortgage · Construction Mortgage MIDFLORIDA CU |
| May 18, 2021 | Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 18, 2021 · Amount on Record |
| Deed Sale | May 18, 2021 · Amount on Record |
| Prior Sale | Jun 13, 2005 · Amount on Record |
| Deed Document Number | 2021129261 |
| Deed Book / Page | 11720 / 1434 |
| Prior Transfer Date | May 10, 2005 |
| Prior Transfer Doc | 0000112757 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 623 MORGAN RD, WINTER HAVEN, FL 33880-6129 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000107137 |
|---|---|
| Date | May 8, 2024 |
| Book Page | 13109/484 |
| Instrument | 2024107137 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 371 Months |
| Due | Apr 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Type Change Date | Apr 1, 2032 |
| Change Frequency | Monthly |
| Min Rate At Change | 4% |
| Max Rate At Change | 10% |
| Index | 1-Year T-Bill |
| Max Rate | 13% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 18, 2021 |
| Property Address | 623 MORGAN RD, WINTER HAVEN, FL 33880-6129 |
| Document Number | 0000129261 |
| Book / Page | 11720 / 1434 |
| Map Reference | MB 78 PG 44 |
| Instrument Date | May 13, 2021 |
| Instrument | 2021129261 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | SMART TITLE II LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $910.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2108 CABERNET CT, EAGLE LAKE, FL 33839-3908 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1553, WINTER HAVEN, FL 33882-1553 |
| Document Number | 0117201436 |
|---|---|
| Date | May 18, 2021 |
| Instrument | 11720/1436 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Jun 1, 2026 |
Source: Polk County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,343.00 (+177.43%) Homeowner's exemption | $298,832 (+210.98%) Land $98,921 Building $199,911 | $298,832 (+210.98%) Land $98,921 Building $199,911 |
| 2023 | $1,205.00 (-41.31%) | $96,094 (-20.67%) Land $96,094 | $96,094 (-20.67%) Land $96,094 |
| 2022 | $2,053.00 | $121,134 Land $80,832 Building $40,302 | $121,134 Land $80,832 Building $40,302 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 9 in force |
| Nearby Flood Claims | 3 (2004–2022) |
| Most Recent Claim | Sep 2022 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 78% of the US · above 66% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 25 / 3 |
May also be available: Spectrum.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures