Polk County property record for 643 Grove St, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,848 sqft · built 2023 |
| Lot Size | 0.138 acres (6,003 sqft) |
| Owner | Company Name on Record |
| Last Sale | $343,500 (May 2023) |
| Tax Bill | $5,200 (2025) |
| Deeds & Mortgages | Nov 2023 Transfer May 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-25-590017-001120 |
| Primary APN | 26-28-25-590017-001120 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,848 sqft Living Area |
| Gross Area | 2,384 sqft |
| 1st Floor Area | 1,848 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 6,003 sqft (0.138 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 416 sqft |
| Porch | Florida Room |
| Porch Area | 70 sqft |
| Street Address | 643 GROVE ST |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33881-7102 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INMAN GROVES PHASE 2 PB 190 PGS 39-44 LOT 112 |
| Legal Subdivision | INMAN GROVES PHASE 2 |
| Legal Block | 2 |
| Legal Lot Number | 112 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2055 |
| Census Tract | 12802 |
Source: Polk County records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 2295 S HIAWASSEE RD, 312, ORLANDO, FL 32835-8749 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Nov 21, 2023 | Quit Claim Deed, Transfer Quitclaim |
| May 1, 2023 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage SECURITY NATIONAL MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2023 · Amount on Record |
| Deed Sale | May 1, 2023 · Amount on Record |
| Prior Sale | Feb 24, 2023 · Amount on Record |
| Deed Document Number | 202399532 |
| Deed Book / Page | 12671 / 1281 |
| Last Transfer Date | Sep 26, 2023 |
| Transfer Doc | 0000273617 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 21, 2023 |
| Property Address | 643 GROVE ST, WINTER HAVEN, FL 33881-7102 |
| Document Number | 0000273617 |
| Book / Page | 12915 / 448 |
| Map Reference | MB 190 PG 39-44 |
| Instrument Date | Sep 26, 2023 |
| Instrument | 2023273617 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 962 BENTSTATION LN APT 200, 200, LAKE MARY, FL 32746-2279 |
| Name | Verified Name |
|---|---|
| Address | 22955 HIAWASSEE RD #312 # 312, 312, ORLANDO, FL 32835-1017 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 1, 2023 |
| Property Address | 643 GROVE ST, WINTER HAVEN, FL 33881-7102 |
| Document Number | 0000099532 |
| Book / Page | 12671 / 1281 |
| Map Reference | MB 190 PG 39 |
| Instrument Date | Apr 25, 2023 |
| Instrument | 2023099532 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 12, 2023 |
| Title Company | LENNAR TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,404.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6675 WESTWOOD BLVD # BLVD5TH, BLVD5TH, ORLANDO, FL 32821-8061 |
| Name | Verified Name |
|---|---|
| Address | 2295 S HIAWASSEE RD STE 312, 312, ORLANDO, FL 32835-8749 |
| Document Number | 0126711285 |
|---|---|
| Date | May 1, 2023 |
| Instrument | 12671/1285 |
| Name | SECURITY NATIONAL MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 9% |
| Type Change Date | May 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 9% |
| Max Rate At Change | 11% |
| Index | Other |
| Max Rate | 14% |
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 | $253,645 (-7.21%) Land $52,000 Building $201,645 | $253,645 (-7.21%) Land $52,000 Building $201,645 | |
| 2025 | $5,200.00 (+6.95%) | $273,366 (+327.13%) Land $66,000 Building $207,366 | $273,366 (+327.13%) Land $66,000 Building $207,366 |
| 2024 | $4,862.00 (+294.64%) | ||
| 2023 | $1,232.00 (+674.84%) | $64,000 (+680.2%) Land $64,000 | $64,000 (+680.2%) Land $64,000 |
| 2022 | $159.00 | $8,203 Land $8,203 | $8,203 Land $8,203 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 39 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 3 (2022–2023) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Aug 2023 · Hurricane Idalia |
| Claims by Event |
|
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 | Moderate above 69% of the US · above 50% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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 105 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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