686 Ave L SE, Winter Haven, FL 33880 Property Records

Polk County property record for 686 Ave L SE, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,846 sqft · built 1955
Lot Size	0.232 acres (10,106 sqft)
Owner	Individual Name on File
Last Sale	$163,000 (Oct 2017)
Tax Bill	$1,963 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Feb 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-33-651200-000180`

Property Details

APN / Parcel Number

Primary APN	`26-28-33-651200-000180`
Alternative APNs	`332826651200000180` `32826000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,846 sqft Living Area
1st Floor Area	925 sqft
Upper Floors Area	679 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1990
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	10,106 sqft (0.232 acres)
Lot Dimensions	135 ft deep x 75 ft wide
View / Lot	Commercial/Industrial

Exterior Amenities

Pool Area	800 sqft
Porch	Florida Room
Porch Area	260 sqft
Utility Building	187 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	686 AVENUE L SE
City	WINTER HAVEN
State	FL
Zip	33880-4218
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	CARLS SUB UNIT 2 PB 37 PG 44 LOT 18
Legal Range	26E
Legal Township	28S
Legal Section	33
Legal Subdivision	CARLS SUBDIVISION UNIT 2
Legal Tract	651200
Legal Block	1
Legal Lot Number	18
Legal Unit	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1054
Census Tract	13902

Owner

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	686 AVENUE L SE, WINTER HAVEN, FL 33880-4218
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2023	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Feb 2, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 29, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 25, 2017	Warranty Deed, Transfer · Conventional with PMI WATSON MTG
Oct 3, 2016	Deed of Trust, Mortgage · Conventional Mortgage BRIGHT HIS CAPITAL PARTNERS LLC BRIGHT HIS CAPITAL PARTNERS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2017 · Amount on File
Deed Sale	Oct 25, 2017 · Amount on File
Prior Sale	Apr 19, 2016 · Amount on File
Deed Document Number	2017204204
Deed Book / Page	10296 / 170
Last Transfer Date	Jan 7, 2020
Transfer Doc	0000021392
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	686 AVENUE L SE, WINTER HAVEN, FL 33880-4218
Transaction Type	Mortgage
Record Updated	Dec 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 AVENUE L SE, WINTER HAVEN, FL 33880-4218

Mortgage

Document Number	0000275663
Date	Nov 27, 2023
Book Page	12917/2022
Instrument	2023275663

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 9, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	686 AVENUE L SE, WINTER HAVEN, FL 33880-4218
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 AVENUE L SE, WAHNETA, FL 33880-4218
Investor	Possibly a Property Investor

Mortgage

Document Number	0000026224
Date	Feb 2, 2023
Book Page	12570/2186
Instrument	2023026224

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2053

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Jan 29, 2020
Property Address	686 AVENUE L SE, WINTER HAVEN, FL 33880-4218
Document Number	0111221163
Book / Page	011122 / 001163
Instrument Date	Jan 7, 2020
Instrument	21392
Transaction Type	Transfer
Record Updated	Feb 20, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 AVENUE L SE WINTER HAVEN FL 338804218, WINTER HAVEN, FL 33880-4218

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 25, 2017
Property Address	686 AVENUE L SE, WINTER HAVEN, FL 33880-4218
Document Number	0102960170
Book / Page	010296 / 000170
Instrument Date	Oct 23, 2017
Instrument	204204
Transaction Type	Transfer
Record Updated	Aug 28, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,141.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	686 AVENUE L SE WINTER HAVEN FL 338804218, WINTER HAVEN, FL 33880-4218

Mortgage

Document Number	102960173
Date	Oct 25, 2017
Book Page	010296/000173
Instrument	204205

Lender

Name	WATSON MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 24, 2047

Mortgage

Document Number	102960184,
Date	Oct 25, 2017
Book Page	010296/000184
Instrument	204206

Lender

Name	HOUSING FIN AGCY
Type	Funding / Finance Company
Address	TALLAHASSEE, FL 32301-1329

Agreement

Amount	Amount on Record

October 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	686 AVENUE L SE, WINTER HAVEN, FL 33880-4218
Document Number	0103100499
Instrument Date	Oct 3, 2016
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	GRACE TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	686 AVENUE L SE WINTER HAVEN FL 338804218, WINTER HAVEN, FL 33880-4218

Mortgage

Document Number	0103100499
Date	Nov 9, 2017
Book Page	010310/000499
Instrument	215368

Lender

Name	BRIGHT HIS CAPITAL PARTNERS LLC BRIGHT HIS CAPITAL PARTNERS LLC
Address	ORLANDO, FL 32801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

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		$150,723 (+2.7%)	$217,952 (-0.15%) Land $33,000 Building $184,952
2025	$1,963.00 (+6.8%) Homeowner's exemption	$146,760 (+5.99%)	$218,279 (+0.11%) Land $33,000 Building $185,279
2023	$1,838.00 (+3.32%) Homeowner's exemption	$138,470 (+3%)	$218,040 (+24.66%) Land $32,000 Building $186,040
2022	$1,779.00 Homeowner's exemption	$134,437	$174,902 Land $27,000 Building $147,902

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 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

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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