Polk County property record for 6432 Crystal Beach Rd, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,831 sqft · built 2004 |
| Lot Size | 0.663 acres (28,880 sqft) |
| Owner | Individual Name on File |
| Last Sale | $385,000 (Apr 2022) |
| Tax Bill | $4,818 (2025) |
| Deeds & Mortgages | Apr 2024 Transfer Apr 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-29-11-357110-001011 |
| Primary APN | 25-29-11-357110-001011 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,831 sqft Living Area |
| Gross Area | 2,794 sqft |
| 1st Floor Area | 1,831 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 28,880 sqft (0.663 acres) |
| Lot Dimensions | 135 ft deep x 185 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 765 sqft |
| Porch | Florida Room |
| Porch Area | 264 sqft |
| Street Address | 6432 CRYSTAL BEACH RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-4832 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LAGOVISTA PB 8 PG 38 S11 & 12 T29 R25 BLK 1 LOT 1 |
| Legal Range | 25E |
| Legal Township | 29S |
| Legal Section | 11 |
| Legal Subdivision | LAGOVISTA |
| Legal Tract | 357110 |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 14701 |
6432 Crystal Beach Rd is owned and occupied by an individual who acquired it in March 2024.
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 | Individual Name on File |
|---|---|
| Mailing Address | 6432 CRYSTAL BEACH RD, WINTER HAVEN, FL 33880-4832 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 2, 2024 | Intrafamily Transfer, Transfer |
| Apr 7, 2022 | Warranty Deed, Transfer · Conventional Mortgage ALLY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 7, 2022 · Amount on File |
| Deed Sale | Apr 7, 2022 · Amount on File |
| Prior Sale | Apr 9, 2004 · Amount on File |
| Deed Document Number | 202294812 |
| Deed Book / Page | 12199 / 498 |
| Last Transfer Date | Mar 28, 2024 |
| Transfer Doc | 0000073782 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 2, 2024 |
| Property Address | 6432 CRYSTAL BEACH RD, WINTER HAVEN, FL 33880-4832 |
| Document Number | 0000073782 |
| Book / Page | 13059 / 2270 |
| Map Reference | MB 8 PG 38 |
| Instrument Date | Mar 28, 2024 |
| Instrument | 2024073782 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6432 CRYSTAL BEACH RD, WINTER HAVEN, FL 33880-4832 |
| Name | Verified Name |
|---|---|
| Address | 6432 CRYSTAL BEACH RD, WINTER HAVEN, FL 33880-4832 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 7, 2022 |
| Property Address | 6432 CRYSTAL BEACH RD, WINTER HAVEN, FL 33880-4832 |
| Document Number | 0000094812 |
| Book / Page | 12199 / 498 |
| Map Reference | MB 8 PG 38 |
| Instrument Date | Apr 5, 2022 |
| Instrument | 2022094812 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | ALL REAL ESTATE TITLE SERVICES INC, REAL ESTATE TITLE SVCS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,695.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 19329 WATERMARK DR UNIT 141, 19329, CORNELIUS, NC 28031-4105 |
| Name | Verified Name |
|---|---|
| Address | 6442 CRYSTAL BEACH RD, WINTER HAVEN, FL 33880-4832 |
| Document Number | 0012199499 |
|---|---|
| Date | Apr 7, 2022 |
| Instrument | 12199/499 |
| Name | ALLY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
The 2025 property tax bill for 6432 Crystal Beach Rd was $4,818 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 | $402,147 (-2.6%) Land $179,735 Building $222,412 | $402,147 (-2.6%) Land $179,735 Building $222,412 | |
| 2025 | $4,818.00 Homeowner's exemption | $412,885 Land $179,735 Building $233,150 | $412,885 Land $179,735 Building $233,150 |
| 2023 | $5,497.00 (+184.52%) Homeowner's exemption | $418,594 (+183.38%) Land $174,740 Building $243,854 | $418,594 (+16.62%) Land $174,740 Building $243,854 |
| 2022 | $1,932.00 | $147,715 | $358,948 Land $145,642 Building $213,306 |
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.
FEMA maps place 6432 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 6432 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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