Polk County property record for 745 Ave H NE, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,352 sqft · built 1949 |
| Lot Size | 0.208 acres (9,078 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $502 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-21-579500-004350 |
| Primary APN | 26-28-21-579500-004350 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,352 sqft Living Area |
| 1st Floor Area | 1,352 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 9,078 sqft (0.208 acres) |
| Lot Dimensions | 121 ft deep x 75 ft wide |
| View / Lot | Commercial/Industrial |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 488 sqft |
| Cooling System | Central |
|---|
| Street Address | 745 AVENUE H NE |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33881-4252 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1C |
| Legal Description | HUTCHINSON ADD PB 8 PG 45 BLK 4 LOTS 35 E1/2 & 36 37 & W1/2 OF 38 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 21 |
| Legal Subdivision | HUTCHINSON ADDITION |
| Legal Tract | 579500 |
| Legal Block | 4 |
| Legal Lot Number | 35 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 13702 |
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 Record |
|---|---|
| Mailing Address | 745 AVENUE H NE, WINTER HAVEN, FL 33881-4252 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 745 AVENUE H NE, WINTER HAVEN, FL 33881-4252 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2021 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 745 AVENUE H NE, WINTER HAVEN, FL 33881-4252 |
| Document Number | 0000288638 |
|---|---|
| Date | Nov 4, 2021 |
| Book Page | 11968/1364 |
| Instrument | 2021288638 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Oct 20, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $56,569 (+2.7%) | $198,488 (+1.03%) Land $30,046 Building $168,442 | |
| 2025 | $502.00 (+2.03%) Homeowner's exemption | $55,082 (+5.99%) | $196,465 (-0.61%) Land $30,046 Building $166,419 |
| 2023 | $492.00 (+0.82%) Homeowner's exemption | $51,971 (+3%) | $197,680 (+21.23%) Land $25,669 Building $172,011 |
| 2022 | $488.00 Homeowner's exemption | $50,457 | $163,066 Land $21,400 Building $141,666 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 4 (2004–2022) |
| Claims Outside the SFHA | 3 of 4 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 112 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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