Polk County property record for 85 Prospect Ave, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 923 sqft · built 1945 |
| Lot Size | 0.084 acres (3,659 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $148,000 (Apr 2023) |
| Tax Bill | $1,649 (2025) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-31-000000-022220 |
| Primary APN | 26-28-31-000000-022220 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 923 sqft Living Area |
| Gross Area | 688 sqft |
| 1st Floor Area | 464 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 3,659 sqft (0.084 acres) |
| Lot Dimensions | 82 ft deep x 44 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Carport |
| Garage Area | 2,023 sqft |
| Carport | Carport |
| Carport Area | 2,023 sqft |
| Porch | Florida Room |
| Porch Area | 459 sqft |
| Cooling System | None |
|---|
| Street Address | 85 PROSPECT AVE |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-5338 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | BEG 167PT6 FT N & 785PT48 FT W OF SE COR OF SE1/4 RUN N 82PT4 FT W 44PT6 FT TO E LINE PROSPECT AVE S 82PT4 FT E 44PT55 FT TO POB BEING TRACT 22 OF UNRE SURVEY |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 31 |
| Legal Subdivision | CABIN LOTS |
| Legal Tract | 22 |
| Legal Block | 1 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 14701 |
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 | 85 PROSPECT AVE, WINTER HAVEN, FL 33880-5338 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 13, 2023 · Amount on Record |
| Deed Sale | Apr 13, 2023 · Amount on Record |
| Prior Sale | Oct 3, 2014 · Amount on Record |
| Deed Document Number | 202384498 |
| Deed Book / Page | 12650 / 167 |
| Prior Transfer Date | Mar 6, 2007 |
| Prior Transfer Doc | 0071980157 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 13, 2023 |
| Property Address | 85 PROSPECT AVE, WINTER HAVEN, FL 33880-5338 |
| Document Number | 0000084498 |
| Book / Page | 12650 / 167 |
| Instrument Date | Mar 21, 2023 |
| Instrument | 2023084498 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2023 |
| Title Company | ADVANCE TITLE, ADVANTAGE TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,036.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 350 ECHO PINES WAY, LAKELAND, FL 33813-4509 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 85 PROSPECT AVE, WAHNETA, FL 33880-5338 |
| Document Number | 0012650169 |
|---|---|
| Date | Apr 13, 2023 |
| Instrument | 12650/169 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2053 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $122,709 (-1.37%) Land $9,700 Building $113,009 | $122,709 (-1.37%) Land $9,700 Building $113,009 | |
| 2025 | $1,649.00 (+21.79%) | $124,418 (+35.58%) Land $9,700 Building $114,718 | $124,418 (+35.58%) Land $9,700 Building $114,718 |
| 2023 | $1,354.00 (+14.94%) | $91,768 (+30.53%) Land $9,400 Building $82,368 | $91,768 (+30.53%) Land $9,400 Building $82,368 |
| 2022 | $1,178.00 | $70,306 Land $7,800 Building $62,506 | $70,306 Land $7,800 Building $62,506 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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 |
|
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 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.
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 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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