84 Ridge Ave, Winter Haven, FL 33880 Property Records

Polk County property record for 84 Ridge Ave, Winter Haven, FL 33880

Property Summary

Property Type	Duplex
Details	2 bd · 1 ba · 1,176 sqft · built 1951
Lot Size	0.194 acres (8,459 sqft)
Owner	Company Name on File
Last Sale	$140,000 (Nov 2022)
Tax Bill	$2,323 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Nov 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-31-641300-000160`

Property Details

APN / Parcel Number

Primary APN	`26-28-31-641300-000160`
Alternative APNs	`312826641300000160` `12826000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Units	2 Units
Stories	1 Story
Building Area	1,176 sqft Living Area
1st Floor Area	1,176 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1971
Architectural Style	Duplex Single
Lot Area	8,459 sqft (0.194 acres)
Lot Dimensions	130 ft deep x 65 ft wide
View / Lot	Duplex
Shed	1 Shed
Shed Area	480 sqft
Canopy	96 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	84 RIDGE AVE
City	WINTER HAVEN
State	FL
Zip	33880-5342
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Description	LAKE SHIPP HTS UNIT 5 PB 34 PG 14 LOT 16
Legal Range	26E
Legal Township	28S
Legal Section	31
Legal Subdivision	LAKE SHIPP HEIGHTS UNIT 05
Legal Block	1
Legal Lot Number	16
Legal Unit	5
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1020
Census Tract	14701

Owner

84 Ridge Ave, a duplex, is owned by a company that bought it in November 2022.

Source: Polk County records, as of September 28, 2026

Owner of Record	Company Name on File
Mailing Address	3013 NORTHWOOD BLVD, WINTER PARK, FL 32789-6635
Owner Type	Company
Vesting	Company

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
Jul 26, 2023	Deed of Trust, Mortgage · Commercial Mortgage BPL MORTGAGE TRUST LLC
Nov 9, 2022	Warranty Deed, Transfer · Commercial Mortgage COMMERCIAL LENDER LLC
Oct 25, 2022	Warranty Deed, Transfer NOT AVAILABLE, MONUMENT TITLE & ESCROW LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2022 · Amount on File
Deed Sale	Nov 9, 2022 · Amount on File
Prior Sale	Oct 25, 2022 · Amount on File
Deed Document Number	2022295108
Deed Book / Page	12481 / 349
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	84 RIDGE AVE, WINTER HAVEN, FL 33880-5342
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3013 NORTHWOOD BLVD, WINTER PARK, FL 32789-6635

Mortgage

Document Number	0000173502
Date	Jul 26, 2023
Book Page	12776/1924
Instrument	2023173502

Lender

Name	BPL MORTGAGE TRUST LLC
Type	Non-Lending Institution
Address	VILLA PARK, IL 60181

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 9, 2022
Property Address	84 RIDGE AVE, WINTER HAVEN, FL 33880-5342
Document Number	0000295108
Book / Page	12481 / 349
Map Reference	MB 34 PG 14
Instrument Date	Oct 18, 2022
Instrument	2022295108
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	MONUMENT TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$980.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5601 MARINER ST STE 104, 104, TAMPA, FL 33609-3450

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 S LAKEMONT AVE, WINTER PARK, FL 32792-4619

Mortgage

Document Number	0012481351
Date	Nov 9, 2022
Instrument	12481/351

Lender

Name	COMMERCIAL LENDER LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Nov 1, 2023

Mortgage

Document Number	0000295110
Date	Nov 9, 2022
Book Page	12481/365
Instrument	2022295110

Lender

Name	COMMERCIAL LENDER LLC
Type	Non-Lending Institution
Address	VERNON ROCKVILLE, CT 06066

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Nov 1, 2023

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 25, 2022
Property Address	84 RIDGE AVE, WINTER HAVEN, FL 33880-5342
Document Number	0000280014
Book / Page	12460 / 305
Map Reference	MB 34 PG 14
Instrument Date	Oct 18, 2022
Instrument	2022280014
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	NOT AVAILABLE, MONUMENT TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Tax	$637.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	106 PALEO POINT CT, WINTER HAVEN, FL 33880-1655

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5601 MARINER ST STE 104, 104, TAMPA, FL 33609-3450

Tax Assessment & Valuation

The 2025 property tax bill for 84 Ridge Ave was $2,323.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$162,914 (+1%)	$216,216 (-) Land $18,500 Building $31,137
2025	$2,323.00	$148,104	$216,216 Land $18,500 Building $32,622
2023	$2,470.00 (+74.68%)	$122,400 (+145.03%)	$122,400 (+145.03%)
2022	$1,414.00	$49,953 Land $15,000 Building $34,953	$49,953 Land $15,000 Building $34,953

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 84 Ridge Ave in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1994.

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 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	13 (1994–2022)
Claims Outside the SFHA	7 of 13
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Frances, Sep 2004 · 2 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 5 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

Wildfire risk around 84 Ridge Ave is low, with 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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	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 271 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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