845 4th St, Winter Haven, FL 33881 Property Records

Polk County property record for 845 4th St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,345 sqft · built 2023
Lot Size	0.144 acres (6,251 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Aug 2023)
Tax Bill	$1,938 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Nov 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`26-28-17-544500-032100`

Property Details

APN / Parcel Number

Primary APN	`26-28-17-544500-032100`
Alternative APNs	`172826544500032100` `72826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,345 sqft Living Area
Gross Area	1,645 sqft
1st Floor Area	1,345 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	6,251 sqft (0.144 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	300 sqft
Porch	Slab
Porch Area	304 sqft

Location & Zoning

Street Address	845 4TH ST
City	WINTER HAVEN
State	FL
Zip	33881-1415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IDA LAKE SUB PB 6 PG 10 IN S8/17 T28 R26 BLK C LOTS 21 & 22
Legal Subdivision	IDA LAKE SUBDIVISION
Legal Tract	544500
Legal Block	C
Legal Lot Number	21,22
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1026
Census Tract	13601

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	Individual Name on Record
Mailing Address	845 4TH ST, WINTER HAVEN, FL 33881-1415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2023	Warranty Deed, Transfer · FHA Mortgage PLAINS COMMERCE BANK
Nov 29, 2022	Warranty Deed, Transfer NOT AVAILABLE, BELL LAND TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2023 · Amount on Record
Deed Sale	Aug 8, 2023 · Amount on Record
Prior Sale	Nov 29, 2022 · Amount on Record
Deed Document Number	2023184070
Deed Book / Page	12791 / 1867
Prior Transfer Date	Jun 26, 2013
Prior Transfer Doc	0000153451
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 8, 2023
Property Address	845 4TH ST, WINTER HAVEN, FL 33881-1415
Document Number	0000184070
Book / Page	12791 / 1867
Map Reference	MB 6 PG 10
Instrument Date	Jul 27, 2023
Instrument	2023184070
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	UNITED TITLE GROUP/LAKELAND LLC, UNITED TTL GROUP OF LAKELAND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,890.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 919, KATHLEEN, FL 33849-0919

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	845 4TH ST, WINTER HAVEN, FL 33881-1415

Mortgage

Document Number	0127911869
Date	Aug 8, 2023
Instrument	12791/1869

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 29, 2022
Property Address	845 4TH ST, WINTER HAVEN, FL 33881-1415
Document Number	0000307550
Book / Page	12496 / 1908
Map Reference	MB 6 PG 10
Instrument Date	Nov 18, 2022
Instrument	2022307550
Transaction Type	Transfer
Record Updated	Dec 9, 2022
Title Company	NOT AVAILABLE, BELL LAND TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$126.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10340 107TH ST, 10340, OZONE PARK, NY 11417-1824

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 919, KATHLEEN, FL 33849-0919

Tax Assessment & Valuation

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		$191,100 (+2.36%) Land $3,751 Building $187,349	$191,100 (+2.36%) Land $3,751 Building $187,349
2025	$1,938.00 (+654.09%) Homeowner's exemption	$186,701 (+4,877.37%) Land $3,751 Building $182,950	$186,701 (+4,877.37%) Land $3,751 Building $182,950
2023	$257.00 (+511.9%)	$3,751 (+19.99%) Land $3,751	$3,751 (+19.99%) Land $3,751
2022	$42.00	$3,126 Land $3,126	$3,126 Land $3,126

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

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% 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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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