Polk County property record for 715 McCoy St, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,523 sqft · built 2022 |
| Lot Size | 0.234 acres (10,202 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,026 (2025) |
| Deeds & Mortgages | Oct 2023 Line of Credit Jun 2021 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-29-02-356732-000590 |
| Primary APN | 25-29-02-356732-000590 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,523 sqft Living Area |
| Gross Area | 3,051 sqft |
| 1st Floor Area | 2,523 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 10,202 sqft (0.234 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Porch | Slab |
| Street Address | 715 MCCOY ST |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-5098 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VILLAGE AT CRYSTAL BEACH PB 183 PGS 24-25 LOT 59 |
| Legal Subdivision | VILLAGE AT CRYSTAL BEACH |
| Legal Block | 3 |
| Legal Lot Number | 59 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 14701 |
715 McCoy St is owned and occupied by two individuals.
Source: Polk County records, as of October 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 715 MCCOY ST, WINTER HAVEN, FL 33880-5098 |
| 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.
| Date | Document |
|---|---|
| Oct 2, 2023 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Jun 15, 2021 | Warranty Deed, Construction Loan · Construction Mortgage MIDFLORIDA CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 715 MCCOY ST, WINTER HAVEN, FL 33880-5098 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000230434 |
|---|---|
| Date | Oct 2, 2023 |
| Book Page | 12855/1872 |
| Instrument | 2023230434 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 1, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 15, 2021 |
| Property Address | 715 MCCOY ST, WINTER HAVEN, FL 33880-5098 |
| Document Number | 0000154007 |
| Book / Page | 11759 / 482 |
| Map Reference | MB 183 PG 24&25 |
| Instrument Date | Jun 11, 2021 |
| Instrument | 2021154007 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 5, 2024 |
| Title Company | INSURED R/E TITLE SERVICES, INSURED RE TITLE SVCS INC |
| Amount | Amount on Record |
|---|---|
| Tax | $414.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480 |
| Name | Verified Name |
|---|---|
| Address | 1201 LAUREL CIR, BARTOW, FL 33830-6965 |
| Document Number | 0011759483 |
|---|---|
| Date | Jun 15, 2021 |
| Instrument | 11759/483 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 370 Months |
| Due | Apr 1, 2052 |
The 2025 property tax bill for 715 McCoy St was $4,026 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 | $340,553 (-3.14%) Land $60,000 Building $280,553 | $340,553 (-3.14%) Land $60,000 Building $280,553 | |
| 2025 | $4,026.00 Homeowner's exemption | $351,594 Land $60,000 Building $291,594 | $351,594 Land $60,000 Building $291,594 |
| 2023 | $4,692.00 (+368.73%) Homeowner's exemption | $347,910 (+624.81%) Land $58,000 Building $289,910 | $347,910 (+624.81%) Land $58,000 Building $289,910 |
| 2022 | $1,001.00 | $48,000 Land $48,000 | $48,000 Land $48,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 715 McCoy St in Zone X, an area of minimal flood risk, within 500 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 500 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 715 McCoy St is moderate, ranking above 42% of the US, with a 0.08% 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 | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
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 | CENTRAL serves 13,595 people · EPA ID FL6534609 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2023 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 10 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 332 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Frontier.
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