Polk County property record for 654 Ave O SE, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,126 sqft · built 1972 |
| Lot Size | 0.254 acres (11,073 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $240,000 (Jan 2007) |
| Tax Bill | $1,104 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-33-654100-000270 |
| Primary APN | 26-28-33-654100-000270 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,126 sqft Living Area |
| Gross Area | 2,726 sqft |
| 1st Floor Area | 2,126 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 11,073 sqft (0.254 acres) |
| Lot Dimensions | 139 ft deep x 80 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 547 sqft |
| Street Address | 654 AVENUE O SE |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-4532 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | OSCEOLA HEIGHTS PB 41 PG 10 LOT 27 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 33 |
| Legal Subdivision | OSCEOLA HEIGHTS |
| Legal Tract | 654100 |
| Legal Block | 1 |
| Legal Lot Number | 27 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 13902 |
654 Ave O SE is owned and occupied by two individuals who bought it in January 2007.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 654 AVENUE O SE, WINTER HAVEN, FL 33880-4532 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 9, 2007 · Amount on File |
| Deed Sale | Jan 9, 2007 · Amount on File |
| Prior Sale | Apr 23, 1999 · Amount on File |
| Deed Document Number | 20075938 |
| Deed Book / Page | 7128 / 521 |
| Prior Transfer Date | Feb 10, 1994 |
| Prior Transfer Doc | 3346001978 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 654 Ave O SE was $1,104 with a homeowner's exemption.
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 | $109,488 (+2.7%) | $327,895 (-0.01%) Land $33,000 Building $294,895 | |
| 2025 | $1,104.00 Homeowner's exemption | $106,610 | $327,916 Land $33,000 Building $294,916 |
| 2023 | $1,013.00 (-3.89%) Homeowner's exemption | $100,587 (+3%) | $331,172 (+17.3%) Land $32,000 Building $299,172 |
| 2022 | $1,054.00 Homeowner's exemption | $97,657 | $282,339 Land $27,000 Building $255,339 |
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 654 Ave O SE in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2004.
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 File median of 18 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 3 (2004–2022) |
| Claims Outside the SFHA | 3 of 3 |
| 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.
Wildfire risk around 654 Ave O SE is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% 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: 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 347 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Verizon.
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