Polk County property record for 6428 Crystal Beach Rd, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,356 sqft · built 1994 |
| Lot Size | 0.571 acres (24,868 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $116,200 (Apr 2002) |
| Tax Bill | $1,190 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Jul 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-29-11-357110-001021 |
| Primary APN | 25-29-11-357110-001021 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,356 sqft Living Area |
| Gross Area | 1,839 sqft |
| 1st Floor Area | 1,356 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 24,868 sqft (0.571 acres) |
| Lot Dimensions | 200 ft deep x 50 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 185 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 6428 CRYSTAL BEACH RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-4832 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAGOVISTA PB 8 PG 38 S 11 12 T29 R25 BLK 1 LOT 2 & ALL OF BLK A LYING IN SECTIONS 11 & 12 |
| Legal Range | 25E |
| Legal Township | 29S |
| Legal Section | 11 |
| Legal Subdivision | LAGOVISTA |
| Legal Tract | 357110 |
| Legal Block | 1,A |
| Legal Lot Number | 2 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 14701 |
6428 Crystal Beach Rd is owned and occupied by two individuals who acquired it in June 2018.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6428 CRYSTAL BEACH RD, WINTER HAVEN, FL 33880-4832 |
| 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.
| Date | Document |
|---|---|
| May 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jul 22, 2019 | Deed of Trust, Mortgage LOANDEPOT.COM LLC |
| Jun 22, 2018 | Quit Claim Deed, Transfer Quitclaim |
| May 25, 2018 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 23, 2002 · Amount on File |
| Deed Sale | Apr 23, 2002 · Amount on File |
| Prior Sale | Mar 6, 2000 · Amount on File |
| Deed Book / Page | 4986 / 1702 |
| Last Transfer Date | Jun 22, 2018 |
| Transfer Doc | 0000133725 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 6428 CRYSTAL BEACH RD, WINTER HAVEN, FL 33880-4832 |
| Transaction Type | Mortgage |
| Record Updated | Jun 7, 2021 |
| Name | Verified Name |
|---|---|
| Address | 6428 CRYSTAL BEACH RD, WINTER HAVEN, FL 33880-4832 |
| Document Number | 0000132657 |
|---|---|
| Date | May 20, 2021 |
| Book Page | 11725/1276 |
| Instrument | 2021132657 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 6428 CRYSTAL BEACH RD, WINTER HAVEN, FL 33880-4832 |
| Document Number | 0109230889 |
| Instrument Date | Jul 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6428 CRYSTAL BEACH RD WINTER HAVEN FL 338804832, WINTER HAVEN, FL 33880-4832 |
| Document Number | 0109230889 |
|---|---|
| Date | Jul 30, 2019 |
| Book Page | 010923/000889 |
| Instrument | 158992 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Jul 29, 2034 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 22, 2018 |
| Property Address | 6428 CRYSTAL BEACH RD, WINTER HAVEN, FL 33880-4832 |
| Document Number | 0105252285 |
| Book / Page | 010525 / 002285 |
| Instrument Date | Jun 22, 2018 |
| Instrument | 133725 |
| Transaction Type | Transfer |
| Record Updated | Jul 9, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6428 CRYSTAL BEACH RD WINTER HAVEN FL 338804832, WINTER HAVEN, FL 33880-4832 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 6428 CRYSTAL BEACH RD, WINTER HAVEN, FL 33880-4832 |
| Document Number | 0105121967 |
| Instrument Date | May 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 2, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6428 CRYSTAL BEACH RD WINTER HAVEN FL 338804832, WINTER HAVEN, FL 33880-4832 |
| Document Number | 0105121967 |
|---|---|
| Date | Jun 11, 2018 |
| Book Page | 010512/001967 |
| Instrument | 123914 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 10, 2033 |
The 2025 property tax bill for 6428 Crystal Beach Rd was $1,190 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 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 |
|---|---|---|---|
| 2026 | $135,808 (+2.7%) | $256,390 (-4.22%) Land $77,900 Building $178,490 | |
| 2025 | $1,190.00 Homeowner's exemption | $132,238 | $267,684 Land $77,900 Building $189,784 |
| 2023 | $1,605.00 (+4.15%) Homeowner's exemption | $124,768 (+3%) | $270,593 (+13.79%) Land $75,800 Building $194,793 |
| 2022 | $1,541.00 Homeowner's exemption | $121,134 | $237,793 Land $63,300 Building $174,493 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6428 Crystal Beach Rd in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 39 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 2 (2022) |
| Most Recent Claim | Oct 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 6428 Crystal Beach Rd is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% 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: FCC Broadband Data Collection, based on 83 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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