731 Ave D SW, Winter Haven, FL 33880 Property Records

Polk County property record for 731 Ave D SW, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 1957
Lot Size	0.215 acres (9,383 sqft)
Owner	Individual Name on File
Last Sale	$117,000 (Jun 2018)
Tax Bill	$3,016 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-29-634000-002240`

Property Details

APN / Parcel Number

Primary APN	`26-28-29-634000-002240`
Alternative APNs	`292826634000002240` `92826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,296 sqft Living Area
Gross Area	1,008 sqft
1st Floor Area	1,008 sqft
Flooring	Terrazzo
Interior Walls	Plaster

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	9,383 sqft (0.215 acres)
View / Lot	Commercial/Industrial
Garage Type	Detached
Garage Area	180 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	408 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	731 AVENUE D SW
City	WINTER HAVEN
State	FL
Zip	33880-2813
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LAKESIDE ADD PB 1 PG 98 BLK 2 LOTS 24 & 25
Legal Range	26E
Legal Township	28S
Legal Section	29
Legal Subdivision	LAKESIDE ADDITION
Legal Tract	634000
Legal Block	2
Legal Lot Number	24,25
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	3
Census Block	3011
Census Tract	13701

Owner

731 Ave D SW is owned and occupied by an individual who bought it in June 2018.

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

Owner of Record	Individual Name on File
Mailing Address	731 AVENUE D SW, WINTER HAVEN, FL 33880-2813
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

Date	Document
Nov 20, 2023	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Jun 8, 2018	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2018 · Amount on File
Deed Sale	Jun 8, 2018 · Amount on File
Prior Sale	Jun 28, 2012 · Amount on File
Deed Document Number	2018122793
Deed Book / Page	10511 / 411
Prior Transfer Date	Mar 4, 2015
Prior Transfer Doc	0094700466
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	731 AVENUE D SW, WINTER HAVEN, FL 33880-2813
Transaction Type	Mortgage
Record Updated	Dec 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	731 AVENUE D SW, WINTER HAVEN, FL 33880-2813
Investor	Possibly a Property Investor

Mortgage

Document Number	0000271861
Date	Nov 20, 2023
Book Page	12912/1746
Instrument	2023271861

Lender

Name	US BANK NA
Type	Bank
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	296 Months
Due	Jul 1, 2048

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 8, 2018
Property Address	731 AVENUE D SW, WINTER HAVEN, FL 33880-2813
Document Number	0105110411
Book / Page	010511 / 000411
Instrument Date	Jun 5, 2018
Instrument	122793
Transaction Type	Transfer
Record Updated	Jul 2, 2018
Title Company	PARAMOUNT TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$819.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	731 AVENUE D SW WINTER HAVEN FL 338802813, WINTER HAVEN, FL 33880-2813

Mortgage

Document Number	105110413
Date	Jun 8, 2018
Book Page	010511/000413
Instrument	122794

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 7, 2048

Mortgage

Document Number	105110427,
Date	Jun 8, 2018
Book Page	010511/000427
Instrument	122795

Lender

Name	HOUSING FIN AGCY
Address	TALLAHASSEE, FL 32301-1329

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 7, 2048

Interest

Rate	12%

Tax Assessment & Valuation

The 2025 property tax bill for 731 Ave D SW was $3,016 with a homeowner's exemption, up 3.5% 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		$167,745 (+5.78%) Land $12,284 Building $155,461	$167,745 (+5.78%) Land $12,284 Building $155,461
2025	$3,016.00 (+3.5%)	$158,577 Land $12,284 Building $146,293	$158,577 Land $12,284 Building $146,293
2024	$2,914.00 (+5.69%)
2023	$2,757.00 (+10.32%)	$162,863 (+14.57%) Land $11,909 Building $150,954	$162,863 (+14.57%) Land $11,909 Building $150,954
2022	$2,499.00	$142,153 Land $9,940 Building $132,213	$142,153 Land $9,940 Building $132,213

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

Flood

FEMA maps place 731 Ave D SW 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

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 731 Ave D SW is low, with 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 95% of the US · lower than 95% of Florida
Wildfire Likelihood	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 159 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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