810 15th St SW, Winter Haven, FL 33880 Property Records

Polk County property record for 810 15th St SW, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,038 sqft · built 1987
Lot Size	0.222 acres (9,683 sqft)
Owner	2 Individual Names on Record
Last Sale	$108,600 (Dec 2003)
Tax Bill	$3,530 (2025)
Deeds & Mortgages	Sep 2023 Transfer Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-29-000000-044290`

Property Details

APN / Parcel Number

Primary APN	`26-28-29-000000-044290`
Alternative APNs	`292826000000044290` `92826000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,038 sqft Living Area
Gross Area	2,532 sqft
1st Floor Area	2,038 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	9,683 sqft (0.222 acres)
Lot Dimensions	190 ft deep x 54 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	494 sqft
Porch	Screened/Unfinished Porch
Porch Area	270 sqft

Location & Zoning

Street Address	810 15TH ST SW
City	WINTER HAVEN
State	FL
Zip	33880-2606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COMM SW COR SEC N 544.68 FT N 80 DEG 48 MIN E 30.39 FT TO POB BEING SW COR LOT 20 OF HANNAH SUB UNIT 1 AS REC IN PB 35 PG 31 N 80 DEG 48 MIN E ALONG S LINE SAID SUB 190 FT S 53.61 FT S 82 DEG 00 MIN W 189.96 FT N 49.63 FT TO POB
Legal Range	26E
Legal Township	28S
Legal Section	29
Legal Subdivision	BERRY R J
Legal Tract	000000
Legal Block	2
Legal Lot Number	20
Legal Unit	1
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2008
Census Tract	13801

Owner

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	2 Individual Names on Record
Mailing Address	810 15TH ST SW, WINTER HAVEN, FL 33880-2606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Nov 10, 2020	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE FIRM
Jun 25, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2003 · Amount on Record
Deed Sale	Dec 9, 2003 · Amount on Record
Deed Document Number	2003246644
Deed Book / Page	5607 / 877
Last Transfer Date	Jun 14, 2018
Transfer Doc	0000135234
Record Updated	Oct 29, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Sep 8, 2023
Property Address	810 15TH ST SW, WINTER HAVEN, FL 33880-2606
Document Number	0000211564
Book / Page	12830 / 306
Map Reference	MB 35 PG 31
Instrument Date	Sep 5, 2023
Instrument	2023211564
Transaction Type	Transfer
Record Updated	Sep 22, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	810 15TH ST SW, WAHNETA, FL 33880-2606

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	810 15TH ST SW, WINTER HAVEN, FL 33880-2606

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 10, 2020
Property Address	810 15TH ST SW, WINTER HAVEN, FL 33880-2606
Document Number	0114500602
Book / Page	011450 / 000602
Instrument Date	Oct 28, 2020
Instrument	240451
Transaction Type	Transfer
Record Updated	Nov 24, 2020
Title Company	REAL ESTATE TITLE SERVICES LLC, REAL ESTATE TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 15TH ST SW WINTER HAVEN FL 338802606, WINTER HAVEN, FL 33880-2606

Mortgage

Document Number	114500604
Date	Nov 10, 2020
Book Page	011450/000604
Instrument	240452

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 9, 2050

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Jun 25, 2018
Property Address	810 15TH ST SW, WINTER HAVEN, FL 33880-2606
Document Number	0105280084
Book / Page	010528 / 000084
Instrument Date	Jun 14, 2018
Instrument	135234
Transaction Type	Transfer
Record Updated	Jul 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	810 15TH ST SW WINTER HAVEN FL 338802606, WINTER HAVEN, FL 33880-2606

Tax Assessment & Valuation

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		$240,461 (+2.7%)	$287,683 (-1.65%) Land $30,429 Building $257,254
2025	$3,530.00 (+6.01%) Homeowner's exemption	$234,139 (+5.99%)	$292,497 (+2.74%) Land $30,429 Building $262,068
2023	$3,330.00 (+0.15%) Homeowner's exemption	$220,913 (+3%)	$284,691 (+4.13%) Land $29,808 Building $254,883
2022	$3,325.00 Homeowner's exemption	$214,479	$273,399 Land $24,840 Building $248,559

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	11 (1992–2022)
Claims Outside the SFHA	1 of 11
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims Hurricane Frances, Sep 2004 · 6 claims

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

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	0.02% annual chance
Exposure	Direct burnable vegetation

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 241 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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