Polk County property record for 640 Ave I NE, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,726 sqft · built 1950 |
| Lot Size | 0.291 acres (12,689 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (Jul 2021) |
| Tax Bill | $3,516 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-21-579500-003070 |
| Primary APN | 26-28-21-579500-003070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,726 sqft Living Area |
| Gross Area | 1,678 sqft |
| 1st Floor Area | 1,227 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 12,689 sqft (0.291 acres) |
| Lot Dimensions | 253 ft deep x 100 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Detached |
| Garage Area | 280 sqft |
| Pool House | Pool House |
| Porch | Florida Room |
| Porch Area | 524 sqft |
| Cooling System | Central |
|---|
| Street Address | 640 AVENUE I NE |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33881-4259 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1C |
| Legal Description | HUTCHINSON ADD PB 8 PG 45 BLK 3 LOTS 7 THRU 10 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 21 |
| Legal Subdivision | HUTCHINSON ADDITION |
| Legal Tract | 579500 |
| Legal Block | 3 |
| Legal Lot Number | 7-10 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 13702 |
Source: Polk County records · APN 26-28-21-579500-003070
Assessment roll updated July 23, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 640 AVENUE I NE, WINTER HAVEN, FL 33881-4259 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 06, 2021 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS LLC |
| Dec 16, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Oct 11, 2017 | Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FNDG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 06, 2021 · Amount on Record |
| Deed Sale | Jul 06, 2021 · Amount on Record |
| Prior Sale | Oct 11, 2017 · Amount on Record |
| Deed Document Number | 2021174180 |
| Deed Book / Page | 11789 / 1431 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 06, 2021 |
| Property Address | 640 AVENUE I NE, WINTER HAVEN, FL 33881-4259 |
| Document Number | 0000174180 |
| Book / Page | 11789 / 1431 |
| Map Reference | MB 8 PG 45 |
| Instrument Date | Jun 30, 2021 |
| Instrument | 2021174180 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2021 |
| Title Company | THE TITLE STATION INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,750.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 822 S BREEN RD, 822, LAKE WALES, FL 33898-7000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 640 AVENUE I NE, WINTER HAVEN, FL 33881-4259 |
| Document Number | 0117891433 |
|---|---|
| Date | Jul 06, 2021 |
| Instrument | 11789/1433 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 640 AVENUE I NE, WINTER HAVEN, FL 33881-4259 |
| Document Number | 0115261034 |
| Instrument Date | Dec 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 822 S BREEN RD LAKE WALES FL 338987000, LAKE WALES, FL 33898-7000 |
| Document Number | 0115261034 |
|---|---|
| Date | Jan 06, 2021 |
| Book Page | 011526/001034 |
| Instrument | 2744 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 05, 2046 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 11, 2017 |
| Property Address | 640 AVENUE I NE, WINTER HAVEN, FL 33881-4259 |
| Document Number | 0102841260 |
| Book / Page | 010284 / 001260 |
| Instrument Date | Oct 10, 2017 |
| Instrument | 195192 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2018 |
| Title Company | UNITED TITLE GROUP/LAKELAND LLC, UNITED TITLE GRP/LAKELAND LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,295.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 640 AVENUE I NE WINTER HAVEN FL 338814259, WINTER HAVEN, FL 33881-4259 |
| Document Number | 102841262 |
|---|---|
| Date | Oct 11, 2017 |
| Book Page | 010284/001262 |
| Instrument | 195193 |
| Name | NEW AMERICAN FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 10, 2047 |
Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,516.00 (+3.11%) Homeowner's exemption | $228,417 (+5.99%) | $249,464 (-1.94%) Land $36,909 Building $212,555 |
| 2024 | $3,410.00 (+2.65%) | ||
| 2023 | $3,322.00 (+2.75%) Homeowner's exemption | $215,515 (+3%) | $254,391 (+21.58%) Land $31,268 Building $223,123 |
| 2022 | $3,233.00 Homeowner's exemption | $209,238 Land $26,096 Building $183,142 | $209,238 Land $26,096 Building $183,142 |
Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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.
Based on FCC filings for 193 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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