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643 Ave B NW, Winter Haven, FL 33881 Property Records

Polk County property record for 643 Ave B NW, Winter Haven, FL 33881

Property Summary

Property TypeCommercial
Details3 bd · 2 ba · 1,629 sqft · built 1918
Lot Size0.147 acres (6,412 sqft)
Owner2 Individual Names on Record
Last Sale$69,900 (Apr 2003)
Tax Bill$38 (2025)
Deeds & MortgagesMar 2026 Transfer
Flood ZoneZone X (minimal risk)
APN26-28-29-628000-000040

Property Details

APN / Parcel Number

Primary APN26-28-29-628000-000040
Alternative APNs
  • 292826628000000040
  • 92826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,629 sqft Gross Area
1st Floor Area1,233 sqft
Upper Floors Area396 sqft
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1918
Effective Year BuiltEffective 1918
Exterior MaterialWood
Construction TypeWood
Roof TypeGable
Roof MaterialOther
Lot Area6,412 sqft (0.147 acres)
View / LotCommercial

Location & Zoning

Street Address643 AVENUE B NW
CityWINTER HAVEN
StateFL
Zip33881-4656
Property CategoryCommercial
Property TypeCommercial > Retail
Local Zoning CodeBR
Legal DescriptionGIFFORDS SURVEY PB 2 PG 30 LOT 4
Legal Range26E
Legal Township28S
Legal Section29
Legal SubdivisionGIFFORDS SURVEY
Legal Tract628000
Legal Block2
Legal Lot Number4
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2007
Census Tract13701

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Pope Avenue Historic District
listed 2001 · 29 contributing resources · NRIS 01001337

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Polk County records, as of July 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address410 S 3RD AVE, BARTOW, FL 33830-5056
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 30, 2003 · Amount on Record
Deed SaleApr 30, 2003 · Amount on Record
Prior SaleMay 18, 1995 · Amount on Record
Deed Book / Page5342 / 1563
Last Transfer DateMar 12, 2026
Transfer Doc0000061895
Record UpdatedSep 20, 2026

March 2026: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPOLK FL
Recording DateMar 16, 2026
Property Address643 AVENUE B NW, WINTER HAVEN, FL 33881-4656
Document Number0000061895
Book / Page13917 / 1804
Map ReferenceMB 2 PG 30
Instrument DateMar 12, 2026
Instrument2026061895
Transaction TypeTransfer
Record UpdatedMar 30, 2026
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address643 AVENUE B NW, WINTER HAVEN, FL 33881-4656

Transferred To (Grantee/Buyer)

NameVerified Name
Address643 AVENUE B NW, WINTER HAVEN, FL 33881-4656

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$38.00 (+58.33%) Homeowner's exemption$27,025 (+5.99%)$126,681 (-2.46%) Land $38,460 Building $88,221
2024$24.00 (+166.67%)
2023$9.00 Homeowner's exemption$25,498 (+3%)$129,881 (+35.49%) Land $38,460 Building $91,421
2022Homeowner's exemption$24,755$95,860 Land $15,384 Building $80,476

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies1 in force
Nearby Flood Claims1 (2001)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 2001 · rainfall accumulation

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

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

Wildfire RiskNot rated
no burnable land within 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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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 166 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
AT&T
Fixed Wireless		100 / 20

May also be available: Frontier, T-Mobile, Verizon.

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