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81 Duval Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 81 Duval Rd, Winter Haven, FL 33884 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,893 sqft · built 1974
Lot Size0.406 acres (17,664 sqft)
Owner2 Individual Names on File
Last Sale$381,000 (Aug 2026)
Tax Bill$2,139 (2025)
Deeds & MortgagesAug 2026 Sale & Mortgage
Aug 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-34-659500-004482

Property Details

APN / Parcel Number

Primary APN26-28-34-659500-004482
Alternative APNs
  • 342826659500004482
  • 42826000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,893 sqft Living Area
Gross Area2,353 sqft
1st Floor Area1,893 sqft
FlooringTerrazzo
Interior WallsPaneling
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 1974
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area17,664 sqft (0.406 acres)
Lot Dimensions206 ft deep x 60 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area460 sqft
Pool Area450 sqft
PorchFinished/Open Porch
Porch Area52 sqft

Location & Zoning

Street Address81 DUVAL RD
CityWINTER HAVEN
StateFL
Zip33884-1511
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionELOISE WOODS EAST LAKE MARIAM UNIT PB 19 PGS 32 32A IN S34/35 T28 R26 LOT 448 SWLY 25 FT & 449
Legal Range26E
Legal Township28S
Legal Section34
Legal SubdivisionELOISE WOODS EAST LAKE MARIAM UNIT
Legal Tract659500
Legal Block2
Legal Lot Number448
Legal UnitPB
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2016
Census Tract13902

Owner

Source: Polk County records · APN 26-28-34-659500-004482

Assessment roll updated July 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address81 DUVAL RD, WINTER HAVEN, FL 33884-1511
OccupancyOwner Occupied
Owner TypeIndividual
VestingHis Wife

Deeds, Mortgages & Sale History

DateDocument
Aug 05, 2026Warranty Deed, Transfer · VA Mortgage
USAA FSB
Aug 12, 2019Warranty Deed, Transfer · VA Mortgage
GERSHMAN MTG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 05, 2026 · Amount on Record
Deed SaleAug 05, 2026 · Amount on Record
Prior SaleAug 12, 2019 · Amount on Record
Deed Document Number2026187509
Deed Book / Page14103 / 300
Record UpdatedSep 20, 2026

August 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateAug 05, 2026
Property Address81 DUVAL RD, WINTER HAVEN, FL 33884-1511
Document Number0000187509
Book / Page14103 / 300
Instrument DateAug 03, 2026
Instrument2026187509
Transaction TypeTransfer
Record UpdatedAug 17, 2026
Title CompanyOAK HARBOR TITLE SERVICES LLC, OAK HARBOR TITLE SERVICES

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$269,367.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address81 DUVAL RD, WINTER HAVEN, FL 33884-1511

Mortgage

Document Number0000187510,
DateAug 05, 2026
Instrument2026187510
Lender
NameUSAA FSB
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term180 Months
DueSep 01, 2041
Interest
Rate5.84%
Max Rate-1%

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateAug 12, 2019
Property Address81 DUVAL RD, WINTER HAVEN, FL 33884-1511
Document Number0109370343
Book / Page010937 / 000343
Instrument DateAug 07, 2019
Instrument168783
Transaction TypeTransfer
Record UpdatedAug 22, 2019
Title CompanyREAL ESTATE TITLE SERVICES LLC, REAL ESTATE TITLE SVCS LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,540.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address81 DUVAL RD WINTER HAVEN FL 338841511, WINTER HAVEN, FL 33884-1511

Mortgage

Document Number109370344
DateAug 12, 2019
Book Page010937/000344
Instrument168784
Lender
NameGERSHMAN MTG
TypeMortgage Company
AddressCHESTERFIELD, MO 63017
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 11, 2049

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$2,139.00 (-14.58%) Homeowner's exemption$201,870 (+5.99%)$262,304 (-3.14%) Land $52,564 Building $209,740
2023$2,504.00 (+3.09%) Homeowner's exemption$190,467 (+3%)$270,818 (+8.42%) Land $51,180 Building $219,638
2022$2,429.00 Homeowner's exemption$184,919$249,790 Land $42,804 Building $206,986

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050139022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 25 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies25 in force
Nearby Flood Claims2 (2004)
Most Recent ClaimSep 2004, river or lake flooding, Hurricane Frances

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 394 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber5,000 / 5,000
SpectrumCable1,000 / 1,000

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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