Polk County property record for 643 Ave E NE, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,173 sqft · built 1935 |
| Lot Size | 0.195 acres (8,477 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $120,000 (Jul 2004) |
| Tax Bill | $1,914 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-21-585011-000020 |
| Primary APN | 26-28-21-585011-000020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,173 sqft Living Area |
| 1st Floor Area | 1,173 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 8,477 sqft (0.195 acres) |
| Lot Dimensions | 119 ft deep x 70 ft wide |
| View / Lot | Commercial/Industrial |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 355 sqft |
| Shed | 1 Shed |
| Street Address | 643 AVENUE E NE |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33881-4226 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MARTHAS GROVE SUBDIVISION PB 124 PG 28 LOT 2 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 21 |
| Legal Subdivision | MARTHAS GROVE SUBDIVISION |
| Legal Tract | 585011 |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 13702 |
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 Record |
|---|---|
| Mailing Address | 301 LAKE PANSY DR NW, WINTER HAVEN, FL 33881-9620 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 19, 2004 · Amount on Record |
| Deed Sale | Jul 19, 2004 · Amount on Record |
| Prior Sale | Dec 11, 2002 · Amount on Record |
| Deed Document Number | 2004145400 |
| Deed Book / Page | 5854 / 1688 |
| Prior Transfer Date | Jul 21, 2003 |
| Prior Transfer Doc | 0000218482 |
| Record Updated | Oct 29, 2026 |
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 | $99,839 (+1%) | $123,690 (-2%) Land $28,904 Building $94,786 | |
| 2025 | $1,914.00 (+11.47%) | $90,763 (-27.67%) | $126,217 (+0.58%) Land $28,904 Building $97,313 |
| 2023 | $1,717.00 (+12.74%) | $125,493 (+20.58%) Land $24,738 Building $100,755 | $125,493 (+20.58%) Land $24,738 Building $100,755 |
| 2022 | $1,523.00 | $104,077 Land $20,619 Building $83,458 | $104,077 Land $20,619 Building $83,458 |
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 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.
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 | Direct burnable vegetation |
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 240 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 |
| Verizon Fixed Wireless | 300 / 20 |
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