655 Ave M SE, Winter Haven, FL 33880 Property Records

Polk County property record for 655 Ave M SE, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,384 sqft · built 1962
Lot Size	0.236 acres (10,293 sqft)
Owner	2 Individual Names on File
Last Sale	$54,000 (Jan 2020)
Tax Bill	$913 (2025)
Deeds & Mortgages	Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-33-651200-000290`

Property Details

APN / Parcel Number

Primary APN	`26-28-33-651200-000290`
Alternative APNs	`332826651200000290` `32826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,384 sqft Living Area
1st Floor Area	1,384 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	10,293 sqft (0.236 acres)
Lot Dimensions	138 ft deep x 75 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	216 sqft
Carport	Carport
Carport Area	216 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	420 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	357 sqft
Shed	1 Shed
Utility Building	84 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	655 AVENUE M SE
City	WINTER HAVEN
State	FL
Zip	33880-4521
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	CARLS SUB UNIT 2 PB 37 PG 44 LOT 29
Legal Range	26E
Legal Township	28S
Legal Section	33
Legal Subdivision	CARLS SUBDIVISION UNIT 2
Legal Tract	651200
Legal Block	1
Legal Lot Number	29
Legal Unit	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1054
Census Tract	13902

Owner

655 Ave M SE is owned and occupied by two individuals who bought it in January 2020.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	655 AVENUE M SE, WINTER HAVEN, FL 33880-4521
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2020 · Amount on File
Deed Sale	Jan 10, 2020 · Amount on File
Prior Sale	Mar 21, 2007 · Amount on File
Deed Document Number	20206774
Deed Book / Page	11103 / 326
Prior Transfer Date	Oct 18, 2019
Prior Transfer Doc	0111030326
Record Updated	Oct 29, 2026

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Jan 10, 2020
Property Address	655 AVENUE M SE, WINTER HAVEN, FL 33880-4521
Document Number	0111030326
Book / Page	011103 / 000326
Instrument Date	Oct 18, 2019
Instrument	6774
Transaction Type	Transfer
Record Updated	Jan 30, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN EQUITY LOAN SVC

Transaction

Amount	Amount on Record
Tax	$378.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	655 AVENUE M SE WINTER HAVEN FL 338804521, WINTER HAVEN, FL 33880-4521

Mortgage

Document Number	111030328
Date	Jan 10, 2020
Book Page	011103/000328
Instrument	6775

Lender

Name	DITECH FIN'L
Address	FORT WASHINGTON, PA 19034

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jan 9, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 655 Ave M SE was $913 with a homeowner's exemption, up 4.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$99,193 (+2.7%)	$250,380 (+6.94%) Land $33,000 Building $217,380
2025	$913.00 (+4.58%) Homeowner's exemption Widower's exemption	$96,585	$234,138 Land $33,000 Building $201,138
2024	$873.00 (+5.18%)
2023	$830.00 (-5.25%) Homeowner's exemption	$91,129 (+3%)	$234,553 (+14.78%) Land $32,000 Building $202,553
2022	$876.00 Homeowner's exemption	$88,475	$204,342 Land $27,000 Building $177,342

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

Flood

FEMA maps place 655 Ave M 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

Wildfire risk around 655 Ave M 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 99.1% of the US · lower than 98.7% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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