851 5th St, Winter Haven, FL 33881 Property Records

Polk County property record for 851 5th St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 468 sqft · built 1925
Lot Size	0.287 acres (12,502 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Feb 2022)
Tax Bill	$794 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-17-544500-041500`

Property Details

APN / Parcel Number

Primary APN	`26-28-17-544500-041500`
Alternative APNs	`172826544500041500` `72826000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	468 sqft Living Area
1st Floor Area	468 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Other
Lot Area	12,502 sqft (0.287 acres)
View / Lot	Commercial/Industrial
Porch	Enclosed/Unfinished Porch
Porch Area	238 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	851 5TH ST
City	WINTER HAVEN
State	FL
Zip	33881-1417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C3
Legal Description	IDA LAKE SUB PB 6 PG 10 IN S8/17 T28 R26 BLK D LOTS 15 THRU 18
Legal Range	26E
Legal Township	28S
Legal Section	17
Legal Subdivision	IDA LAKE SUBDIVISION
Legal Tract	544500
Legal Block	D
Legal Lot Number	15-18
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1025
Census Tract	13601

Owner

851 5th St is owned and occupied by an individual who acquired it in January 2025.

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

Owner of Record	Individual Name on File
Mailing Address	851 5TH ST, WINTER HAVEN, FL 33881-1417
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2022 · Amount on File
Deed Sale	Feb 28, 2022 · Amount on File
Prior Sale	May 13, 2004 · Amount on File
Deed Document Number	202253388
Deed Book / Page	12136 / 865
Last Transfer Date	Jan 28, 2025
Transfer Doc	0000026268
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 28, 2022
Property Address	851 5TH ST, WINTER HAVEN, FL 33881-1417
Document Number	0000053388
Book / Page	12136 / 865
Map Reference	MB 6 PG 10
Instrument Date	Feb 23, 2022
Instrument	2022053388
Transaction Type	Transfer
Record Updated	Mar 14, 2022
Title Company	NOT AVAILABLE, GREEN LINE TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	858 5TH ST, 858, WINTER HAVEN, FL 33881-1418

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	851 5TH ST, WINTER HAVEN, FL 33881-1417

Mortgage

Document Number	0012136867
Date	Feb 28, 2022
Instrument	12136/867

Lender

Name	ANTOMNIA CREWS
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount on Record
Term	2 Months
Due	Apr 1, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 851 5th St was $794.

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		$61,500 (+2.54%) Land $7,501 Building $53,999	$61,500 (+2.54%) Land $7,501 Building $53,999
2025	$794.00	$59,978 Land $7,501 Building $52,477	$59,978 Land $7,501 Building $52,477
2023	$1,309.00 (+51.86%)	$61,913 (+40.95%) Land $7,501 Building $54,412	$61,913 (+40.95%) Land $7,501 Building $54,412
2022	$862.00	$43,925 Land $6,251 Building $37,674	$43,925 Land $6,251 Building $37,674

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

Flood

FEMA maps place 851 5th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 851 5th St is low, with a 0.02% annual chance of 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	0.02% 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 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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