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645 Augusta Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 645 Augusta Rd, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,096 sqft · built 1993
Lot Size0.144 acres (6,251 sqft)
Owner2 Individual Names on Record
Last Sale$290,000 (May 2025)
Tax Bill$1,545 (2025)
Deeds & MortgagesJan 2020 Loan Modification
Flood ZoneZone X (minimal risk)
APN27-28-30-000000-022137

Property Details

APN / Parcel Number

Primary APN27-28-30-000000-022137
Alternative APNs
  • 302827000000022137
  • 02827000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,096 sqft Living Area
Gross Area2,801 sqft
1st Floor Area2,096 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1993
Effective Year BuiltEffective 1993
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area6,251 sqft (0.144 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area525 sqft
PorchFlorida Room
Porch Area180 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address645 AUGUSTA RD
CityWINTER HAVEN
StateFL
Zip33884-1202
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal DescriptionBEG 1233.43 FT N & 188.16 FT W OF SE COR OF SEC RUN N 42 DEG 03 MIN 30 SEC W 50 FT N 51 DEG 08 MIN 48 SEC E 125.20 FT S 42 DEG 03 MIN 30 SEC E 50 FT S 51 DEG 08 MIN 48 SEC W 125.20 FT TO POB BEING LOT 272 OF UNREC CYPRESSWOOD PATIO HOMES
Legal Range27E
Legal Township28S
Legal Section30
Legal SubdivisionCYPRESSWOOD
Legal Tract000000
Legal Block2
Legal Lot Number272
JurisdictionPOLK FL
Township / Civil DivisionHAINES CITY
Census Block Group2
Census Block2049
Census Tract14123

Owner

Source: Polk County records, as of September 28, 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 Address645 AUGUSTA RD, WINTER HAVEN, FL 33884-1202
OccupancyOwner Occupied
Owner TypeIndividual
VestingRight of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 12, 2025 · Amount on Record
Deed SaleMay 12, 2025 · Amount on Record
Prior SaleAug 6, 2014 · Amount on Record
Deed Document Number2025110214
Deed Book / Page13543 / 603
Prior Transfer DateJan 26, 1994
Prior Transfer Doc3340000678
Record UpdatedOct 29, 2026

January 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPOLK FL
Property Address645 AUGUSTA RD, WINTER HAVEN, FL 33884-1202
Document Number0111050879
Instrument DateJan 7, 2020
Transaction TypeMortgage
Record UpdatedJan 31, 2020
Title CompanyRIDGE SECURITY TITLE INC, RIDGE SEC TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address645 AUGUSTA RD WINTER HAVEN FL 338841202, WINTER HAVEN, FL 33884-1202

Mortgage

Document Number0111050879
DateJan 13, 2020
Book Page011105/000879
Instrument8646
Lender
NameCITIZENS BK
TypeBank
AddressFROSTPROOF, FL 33843
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$233,538 (+46.21%) Land $50,000 Building $183,538$233,538 (-3.09%) Land $50,000 Building $183,538
2025$1,545.00 (-19.95%)$159,730 (+5.99%)$240,987 (-2.13%) Land $50,000 Building $190,987
2023$1,930.00 (+3.71%) Homeowner's exemption$150,707 (+3%)$246,231 (+9.36%) Land $48,000 Building $198,231
2022$1,861.00 Homeowner's exemption$146,317$225,151 Land $40,000 Building $185,151

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 105 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies105 in force
Nearby Flood Claims3 (2017–2022)
Claims Outside the SFHA1 of 3
Most Recent ClaimSep 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

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

Wildfire RiskModerate
above 51% of the US · lower than 78% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
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 233 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000

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