765 Ave N SE, Winter Haven, FL 33880 Property Records

Polk County property record for 765 Ave N SE, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,228 sqft · built 1961
Lot Size	0.237 acres (10,311 sqft)
Owner	2 Trust Names on File
Tax Bill	$200 (2025)
Deeds & Mortgages	Oct 2026 Sale Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-33-652400-000140`

Property Details

APN / Parcel Number

Primary APN	`26-28-33-652400-000140`
Alternative APNs	`332826652400000140` `32826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,228 sqft Living Area
1st Floor Area	1,228 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	10,311 sqft (0.237 acres)
Lot Dimensions	138 ft deep x 75 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	322 sqft
Carport	Carport
Carport Area	322 sqft
Porch	Slab
Porch Area	26 sqft
Utility Building	126 sqft

Location & Zoning

Street Address	765 AVENUE N SE
City	WINTER HAVEN
State	FL
Zip	33880-4531
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	FAIRLAWN PB 43 PG 50 LOT 14
Legal Range	26E
Legal Township	28S
Legal Section	33
Legal Subdivision	FAIRLAWN SUBDIVISION
Legal Tract	652400
Legal Block	1
Legal Lot Number	14
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1024
Census Tract	13902

Owner

765 Ave N SE is owner-occupied and held in a trust since September 2026.

Source: Polk County records, as of October 16, 2026

Owner of Record	2 Trust Names on File
Mailing Address	765 AVENUE N SE, WINTER HAVEN, FL 33880-4531
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Oct 5, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Oct 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU ISAOA
Oct 23, 2019	Grant Deed, Transfer ATTORNEY ONLY
Apr 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE FIRM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 29, 2026
Transfer Doc	0000239213
Record Updated	Oct 29, 2026

October 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Oct 5, 2026
Property Address	765 AVENUE N SE, WINTER HAVEN, FL 33880-4531
Document Number	0000239213
Book / Page	14176 / 2239
Instrument Date	Sep 29, 2026
Instrument	2026239213
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	765 AVENUE N SE, WINTER HAVEN, FL 33880-4531

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	765 AVENUE N SE, WINTER HAVEN, FL 33880-4531
Document Number	0114130357
Instrument Date	Oct 2, 2020
Transaction Type	Mortgage
Record Updated	Nov 3, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	765 AVENUE N SE WINTER HAVEN FL 338804531, WINTER HAVEN, FL 33880-4531

Mortgage

Document Number	0114130357
Date	Oct 14, 2020
Book Page	011413/000357
Instrument	216751

Lender

Name	MIDFLORIDA CU ISAOA
Type	Credit Union
Address	LAKELAND, FL 33802-8008

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 13, 2050

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Oct 23, 2019
Property Address	765 AVENUE N SE, WINTER HAVEN, FL 33880-4531
Document Number	0110150081
Book / Page	011015 / 000081
Instrument Date	Oct 18, 2019
Instrument	224175
Transaction Type	Transfer
Record Updated	Nov 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	765 AVENUE N SE WINTER HAVEN FL 338804531, WINTER HAVEN, FL 33880-4531

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	765 AVENUE N SE, WINTER HAVEN, FL 33880-4531
Document Number	0104710290
Instrument Date	Apr 25, 2018
Transaction Type	Mortgage
Record Updated	May 16, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	765 AVENUE N SE WINTER HAVEN FL 338804531, WINTER HAVEN, FL 33880-4531

Mortgage

Document Number	0104710290
Date	May 1, 2018
Book Page	010471/000290
Instrument	93070

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 30, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 765 Ave N SE was $200.

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		$62,086 (+2.7%)	$177,236 (+0.29%) Land $33,000 Building $144,236
2025	$200.00 Homeowner's exemption	$60,454	$176,722 Land $33,000 Building $143,722
2023	$187.00 (+2.19%) Homeowner's exemption	$57,039 (+3%)	$178,683 (+13.7%) Land $32,000 Building $146,683
2022	$183.00 Homeowner's exemption	$55,378	$157,148 Land $27,000 Building $130,148

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

Flood

FEMA maps place 765 Ave N SE in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2004.

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 18 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	3 (2004–2022)
Claims Outside the SFHA	3 of 3
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.

Wildfire

Wildfire risk around 765 Ave N SE is low, with less than 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 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 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 347 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
Starlink Satellite	280 / 30

May also be available: Verizon.

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