Polk County property record for 635 Ave H NE, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,420 sqft · built 1945 |
| Lot Size | 0.347 acres (15,107 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (Oct 2020) |
| Tax Bill | $3,956 (2025) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-21-579500-003200 |
| Primary APN | 26-28-21-579500-003200 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,420 sqft Living Area |
| 1st Floor Area | 2,420 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 15,107 sqft (0.347 acres) |
| Lot Dimensions | 121 ft deep x 125 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Detached |
| Garage Area | 748 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 226 sqft |
| Street Address | 635 AVENUE H NE |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33881-4250 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1C |
| Legal Description | HUTCHINSON ADD PB 8 PG 45 BLK 3 LOTS 20 THRU 24 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 21 |
| Legal Subdivision | HUTCHINSON ADDITION |
| Legal Tract | 579500 |
| Legal Block | 3 |
| Legal Lot Number | 20-24 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 13702 |
635 Ave H NE is owned and occupied by two individuals who bought it in October 2020.
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 635 AVENUE H NE, WINTER HAVEN, FL 33881-4250 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 13, 2020 · Amount on File |
| Deed Sale | Oct 13, 2020 · Amount on File |
| Prior Sale | Dec 28, 2016 · Amount on File |
| Deed Document Number | 2020215798 |
| Deed Book / Page | 11411 / 1115 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 13, 2020 |
| Property Address | 635 AVENUE H NE, WINTER HAVEN, FL 33881-4250 |
| Document Number | 0114111115 |
| Book / Page | 011411 / 001115 |
| Instrument Date | Oct 2, 2020 |
| Instrument | 215798 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2020 |
| Title Company | EASY TITLE COMPANY LLC, EASY TITLE CO LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,995.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1011 SUNSET DR LAKE WALES FL 338534226, LAKE WALES, FL 33853-4226 |
| Document Number | 114111117 |
|---|---|
| Date | Oct 13, 2020 |
| Book Page | 011411/001117 |
| Instrument | 215799 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 12, 2050 |
The 2025 property tax bill for 635 Ave H NE was $3,956 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $258,337 (+2.7%) | $296,422 (-8.71%) Land $41,501 Building $254,921 | |
| 2025 | $3,956.00 Homeowner's exemption | $251,545 | $324,714 Land $41,501 Building $283,213 |
| 2023 | $3,742.00 (+2.69%) Homeowner's exemption | $237,336 (+3%) | $333,257 (+14.04%) Land $35,014 Building $298,243 |
| 2022 | $3,644.00 Homeowner's exemption | $230,423 | $292,222 Land $29,238 Building $262,984 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 635 Ave H NE 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 8 (10% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 4 (2004–2022) |
| Claims Outside the SFHA | 3 of 4 |
| 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 risk around 635 Ave H NE 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 193 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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