724 McCoy St, Winter Haven, FL 33880 Property Records

Polk County property record for 724 McCoy St, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,874 sqft · built 2021
Lot Size	0.217 acres (9,444 sqft)
Owner	Individual Name on File
Tax Bill	$2,820 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-29-02-356732-000320`

Property Details

APN / Parcel Number

Primary APN	`25-29-02-356732-000320`
Alternative APN	`022925356732000320`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,874 sqft Living Area
Gross Area	2,294 sqft
1st Floor Area	1,874 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	9,444 sqft (0.217 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Unfinished Open Porch
Porch Area	156 sqft

Location & Zoning

Street Address	724 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 32
Legal Range	25E
Legal Township	29S
Legal Section	02
Legal Subdivision	VILLAGE AT CRYSTAL BEACH
Legal Block	3
Legal Lot Number	32
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	3
Census Block	3018
Census Tract	14701

Owner

724 McCoy St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	724 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 6, 2021
Property Address	724 MCCOY ST, WINTER HAVEN, FL 33880-5098
Document Number	0000315738
Book / Page	12011 / 1236
Map Reference	MB 183 PG 24&25
Instrument Date	Nov 30, 2021
Instrument	2021315738
Transaction Type	Transfer
Record Updated	Feb 23, 2023
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,248.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	724 MCCOY STREET, WAHNETA, FL 33880-5098

Mortgage

Document Number	0120111237
Date	Dec 6, 2021
Instrument	12011/1237

Lender

Name	HOME SOLUTION LENDERS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 724 McCoy St was $2,820 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$265,330 (+2.7%)	$273,079 (+0.91%) Land $60,000 Building $213,079
2025	$2,820.00 Homeowner's exemption	$258,354	$270,613 Land $60,000 Building $210,613
2023	$3,308.00 (+2.8%) Homeowner's exemption	$242,345 (+3%)	$266,003 (+13.06%) Land $58,000 Building $208,003
2022	$3,218.00 Homeowner's exemption	$235,286 Land $48,000 Building $187,286	$235,286 Land $48,000 Building $187,286

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

Flood

FEMA maps place 724 McCoy St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2022.

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 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

Wildfire risk around 724 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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