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720 McCoy St, Winter Haven, FL 33880 Property Records

Polk County property record for 720 McCoy St, Winter Haven, FL 33880

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,965 sqft · built 2021
Lot Size0.217 acres (9,439 sqft)
Owner2 Individual Names on Record
Last Sale$311,300 (Dec 2021)
Tax Bill$3,523 (2025)
Deeds & MortgagesDec 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN25-29-02-356732-000330

Property Details

APN / Parcel Number

Primary APN25-29-02-356732-000330
Alternative APN
  • 022925356732000330

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,965 sqft Living Area
Gross Area2,385 sqft
1st Floor Area1,965 sqft

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area9,439 sqft (0.217 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area420 sqft
PorchUnfinished Open Porch
Porch Area36 sqft

Location & Zoning

Street Address720 MCCOY ST
CityWINTER HAVEN
StateFL
Zip33880-5098
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionVILLAGE AT CRYSTAL BEACH PB 183 PGS 24-25 LOT 33
Legal Range25E
Legal Township29S
Legal Section02
Legal SubdivisionVILLAGE AT CRYSTAL BEACH
Legal Block3
Legal Lot Number33
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group3
Census Block3018
Census Tract14701

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 Record2 Individual Names on Record
Mailing Address720 MCCOY ST, WINTER HAVEN, FL 33880-5098
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 6, 2021 · Amount on Record
Deed SaleDec 6, 2021 · Amount on Record
Deed Document Number2021315940
Deed Book / Page12011 / 2055
Record UpdatedOct 29, 2026

December 2021: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateDec 6, 2021
Property Address720 MCCOY ST, WINTER HAVEN, FL 33880-5098
Document Number0000315940
Book / Page12011 / 2055
Map ReferenceMB 183 PG 24&25
Instrument DateDec 2, 2021
Instrument2021315940
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 23, 2023
Title CompanyINSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,179.10
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Transferred To (Grantee/Buyer)

NameVerified Name
Address720 MCCOY STREET, WINTER HAVEN, FL 33880-5098

Mortgage

Document Number0120112056
DateDec 6, 2021
Instrument12011/2056
Lender
NameHOME SOLUTION LENDERS INC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2052

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$261,794 (-3.95%) Land $60,000 Building $201,794$261,794 (-3.95%) Land $60,000 Building $201,794
2025$3,523.00 (-14.9%)$272,551 (+1.09%) Land $60,000 Building $212,551$272,551 (+1.09%) Land $60,000 Building $212,551
2023$4,140.00 (+8.86%)$269,621 (+12.47%) Land $58,000 Building $211,621$269,621 (+12.47%) Land $58,000 Building $211,621
2022$3,803.00$239,732 Land $48,000 Building $191,732$239,732 Land $48,000 Building $191,732

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
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 39 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies39 in force
Nearby Flood Claims2 (2022)
Most Recent ClaimOct 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 42% of the US · lower than 86% of Florida
Wildfire Likelihood0.08% annual chance
ExposureDirect
burnable vegetation

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 SystemCENTRAL
serves 13,595 people · EPA ID FL6534609
Water SourceGroundwater
Last State InspectionApr 2023
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting10
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 332 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
T-Mobile
Fixed Wireless		100 / 20

May also be available: Frontier.

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