Polk County property record for 781 Ave H NE, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,143 sqft · built 1952 |
| Lot Size | 0.209 acres (9,082 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $515 (2025) |
| Deeds & Mortgages | Jul 2026 Reverse Mortgage Jul 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-21-579500-004420 |
| Primary APN | 26-28-21-579500-004420 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,143 sqft Living Area |
| 1st Floor Area | 1,143 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 9,082 sqft (0.209 acres) |
| Lot Dimensions | 120 ft deep x 75 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Detached |
| Garage Area | 700 sqft |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 396 sqft |
| Cooling System | Central |
|---|
| Street Address | 781 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 42 THRU 44 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 21 |
| Legal Subdivision | HUTCHINSON ADDITION |
| Legal Tract | 579500 |
| Legal Block | 4 |
| Legal Lot Number | 42-44 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 781 AVENUE H NE, WINTER HAVEN, FL 33881-4252 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 30, 2026 | Deed of Trust, Mortgage · Reverse Mortgage CITY OF WINTER HAVEN |
| Jul 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CITY OF WINTER HAVEN |
| Mar 11, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 22, 2002 |
| Deed Sale | Feb 22, 2002 |
| Prior Sale | Feb 22, 2002 · Amount on Record |
| Deed Book / Page | 4933 / 71 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 30, 2026 |
| Property Address | 781 AVENUE H NE, WINTER HAVEN, FL 33881-4252 |
| Document Number | 0000182073 |
| Book / Page | 14094 / 2134 |
| Instrument Date | Jul 15, 2026 |
| Instrument | 2026182073 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 781 AVENUE H NE, WINTER HAVEN, FL 33881-4252 |
| Document Number | 0000182073, |
|---|---|
| Date | Jul 30, 2026 |
| Book Page | 14094/2134 |
| Instrument | 2026182073 |
| Name | CITY OF WINTER HAVEN |
|---|
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 999 Months |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 30, 2026 |
| Property Address | 781 AVENUE H NE, WINTER HAVEN, FL 33881-4252 |
| Document Number | 0000182072 |
| Book / Page | 14094 / 2130 |
| Instrument Date | May 7, 2025 |
| Instrument | 2026182072 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 781 AVENUE H NE, WINTER HAVEN, FL 33881-4252 |
| Document Number | 0000182072, |
|---|---|
| Date | Jul 30, 2026 |
| Book Page | 14094/2130 |
| Instrument | 2026182072 |
| Name | CITY OF WINTER HAVEN |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate | 6.62% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 781 AVENUE H NE, WINTER HAVEN, FL 33881-4252 |
| Document Number | 0107790594 |
| Instrument Date | Mar 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 781 AVENUE H NE WINTER HAVEN FL 338814252, WINTER HAVEN, FL 33881-4252 |
| Document Number | 0107790594 |
|---|---|
| Date | Mar 15, 2019 |
| Book Page | 010779/000594 |
| Instrument | 52500 |
| Name | MIDFLORIDA CU |
|---|---|
| Address | LAKELAND, FL 33803 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 14, 2049 |
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 | $59,087 (+2.7%) | $185,367 (+1.05%) Land $30,056 Building $155,311 | |
| 2025 | $515.00 (+2.18%) Homeowner's exemption | $57,534 (+5.99%) | $183,437 (-0.18%) Land $30,056 Building $153,381 |
| 2023 | $504.00 (+0.8%) Homeowner's exemption | $54,284 (+3%) | $183,760 (+19.08%) Land $25,677 Building $158,083 |
| 2022 | $500.00 Homeowner's exemption | $52,703 | $154,317 Land $21,407 Building $132,910 |
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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