860 5th St, Winter Haven, FL 33881 Property Records

Polk County property record for 860 5th St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,526 sqft · built 2026
Lot Size	0.1 acres (4,373 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Jun 2026)
Tax Bill	$34 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Dec 2023 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`26-28-17-544500-051800`

Property Details

APN / Parcel Number

Primary APN	`26-28-17-544500-051800`
Alternative APNs	`172826544500051800` `72826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,526 sqft Living Area
Gross Area	1,754 sqft
1st Floor Area	608 sqft

Exterior

Year Built	Built 2026
Effective Year Built	Effective 2026
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	4,373 sqft (0.1 acres)
Garage Type	Attached
Garage Area	228 sqft
Porch	Unfinished Open Porch

Location & Zoning

Street Address	860 5TH ST
City	WINTER HAVEN
State	FL
Zip	33881-1418
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IDA LAKE SUB PB 6 PG 10 IN S8/17 T28 R26 BLK E LOTS 18 W 10 FT & 19
Legal Subdivision	IDA LAKE SUBDIVISION
Legal Tract	544500
Legal Block	E
Legal Lot Number	18
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1035
Census Tract	13601

Owner

860 5th St is owned and occupied by an individual who bought it in June 2026.

Source: Polk County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	860 5TH ST, WINTER HAVEN, FL 33881-1418
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

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
Jun 17, 2026	Warranty Deed, Transfer · FHA Mortgage FIRST COLONY MORTGAGE CORPORATION
Dec 22, 2023	Public Action, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2026 · Amount on File
Deed Sale	Jun 17, 2026 · Amount on File
Prior Sale	Jan 23, 2025 · Amount on File
Deed Document Number	2026145280
Deed Book / Page	14042 / 305
Prior Transfer Date	Dec 22, 2023
Prior Transfer Doc	0000299287
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 17, 2026
Property Address	860 5TH ST, WINTER HAVEN, FL 33881-1418
Document Number	0000145280
Book / Page	14042 / 305
Instrument Date	Jun 12, 2026
Instrument	2026145280
Transaction Type	Transfer
Record Updated	Jun 26, 2026
Title Company	ROSEMONT TITLE INSURANCE AGENC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$197,960.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 5TH ST, WINTER HAVEN, FL 33881-1418

Mortgage

Document Number	0000145281,
Date	Jun 17, 2026
Instrument	2026145281

Lender

Name	FIRST COLONY MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

December 2023: Public Action, Foreclosure

Document Type	Public Action
Jurisdiction	POLK FL
Recording Date	Dec 22, 2023
Property Address	860 5TH ST, WINTER HAVEN, FL 33881-1418
Document Number	0000299287
Book / Page	12951 / 1302
Map Reference	MB 6 PG 10
Instrument Date	Dec 21, 2023
Instrument	2023299287
Transaction Type	Foreclosure
Record Updated	Jan 13, 2026

Transaction

Amount	Amount on Record
Tax	$119.70
Amount Accuracy	Tax Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5035 IVORY STONE DR, WIMAUMA, FL 33598-4086

Tax Assessment & Valuation

The 2025 property tax bill for 860 5th St was $34.

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		$2,624 (-) Land $2,624	$2,624 (-) Land $2,624
2025	$34.00	$2,624 Land $2,624	$2,624 Land $2,624
2024	$34.00 (+3.03%)
2023	$33.00 (+13.79%)	$2,624 (+19.98%) Land $2,624	$2,624 (+19.98%) Land $2,624
2022	$29.00	$2,187 Land $2,187	$2,187 Land $2,187

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 860 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 860 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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