Polk County property record for 861 Ave H NE, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,087 sqft · built 1946 |
| Lot Size | 0.209 acres (9,087 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $230,000 (Dec 2022) |
| Tax Bill | $2,397 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Feb 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-21-579500-004480 |
| Primary APN | 26-28-21-579500-004480 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,087 sqft Living Area |
| 1st Floor Area | 961 sqft |
| Flooring | Tile |
| Interior Walls | Wood |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 9,087 sqft (0.209 acres) |
| Lot Dimensions | 120 ft deep x 75 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Detached |
| Garage Area | 264 sqft |
| Porch | Florida Room |
| Porch Area | 146 sqft |
| Cooling System | Central |
|---|
| Street Address | 861 AVENUE H NE |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33881-4252 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1C |
| Legal Description | HUTCHINSON ADD PB 8 PG 45 BLK 4 LOTS 48 THRU 50 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 21 |
| Legal Subdivision | HUTCHINSON ADDITION |
| Legal Tract | 579500 |
| Legal Block | 4 |
| Legal Lot Number | 48-50 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 13702 |
Source: Polk County records, as of October 12, 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 | 861 AVENUE H NE, WINTER HAVEN, FL 33881-4252 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 22, 2022 | Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC |
| Feb 4, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 11, 2020 | Warranty Deed, Transfer · Conventional Mortgage CERTIFIED MTG PLANNERS |
| Oct 28, 2019 | Trustee's Deed, Foreclosure NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 22, 2022 · Amount on Record |
| Deed Sale | Dec 22, 2022 · Amount on Record |
| Prior Sale | Dec 11, 2020 · Amount on Record |
| Deed Document Number | 2022330875 |
| Deed Book / Page | 12528 / 1485 |
| Prior Transfer Date | Oct 25, 2019 |
| Prior Transfer Doc | 0000227668 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 22, 2022 |
| Property Address | 861 AVENUE H NE, WINTER HAVEN, FL 33881-4252 |
| Document Number | 0000330875 |
| Book / Page | 12528 / 1485 |
| Map Reference | MB 8 PG 45 |
| Instrument Date | Dec 22, 2022 |
| Instrument | 2022330875 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2023 |
| Title Company | INTELLIGENT TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,610.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 861 AVENUE H NE, WINTER HAVEN, FL 33881-4252 |
| Name | Verified Name |
|---|---|
| Address | 861 AVENUE H NE, WINTER HAVEN, FL 33881-4252 |
| Document Number | 0125281487 |
|---|---|
| Date | Dec 22, 2022 |
| Instrument | 12528/1487 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Number | 0000330877 |
|---|---|
| Date | Dec 22, 2022 |
| Book Page | 12528/1498 |
| Instrument | 2022330877 |
| Name | HOUSING FINANCE AUTHORITY OF PINELLAS CO |
|---|---|
| Type | Government Agency |
| Address | CLEARWATER, FL 33761 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 861 AVENUE H NE, WINTER HAVEN, FL 33881-4252 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000031647 |
|---|---|
| Date | Feb 4, 2022 |
| Book Page | 12103/61 |
| Instrument | 2022031647 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 1, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 11, 2020 |
| Property Address | 861 AVENUE H NE, WINTER HAVEN, FL 33881-4252 |
| Document Number | 0114911029 |
| Book / Page | 011491 / 001029 |
| Instrument Date | Nov 20, 2020 |
| Instrument | 267563 |
| Transaction Type | Transfer |
| Record Updated | Dec 28, 2020 |
| Title Company | SUNBELT TITLE (AGENCY) |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,179.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 861 AVENUE H NE WINTER HAVEN FL 338814252, WINTER HAVEN, FL 33881-4252 |
| Document Number | 114911030 |
|---|---|
| Date | Dec 11, 2020 |
| Book Page | 011491/001030 |
| Instrument | 267564 |
| Name | CERTIFIED MTG PLANNERS |
|---|---|
| Type | Mortgage Company |
| Address | LAKE MARY, FL 32746 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 10, 2035 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 28, 2019 |
| Property Address | 861 AVENUE H NE, WINTER HAVEN, FL 33881-4252 |
| Document Number | 0110200140 |
| Book / Page | 011020 / 000140 |
| Instrument Date | Oct 11, 2019 |
| Instrument | 227668 |
| Transaction Type | Foreclosure |
| Record Updated | Nov 14, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $445.20 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 367 VAIL DR WINTER HAVEN FL 338842834, WINTER HAVEN, FL 33884-2834 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $159,882 (-5.74%) Land $30,063 Building $129,819 | $159,882 (-5.74%) Land $30,063 Building $129,819 | |
| 2025 | $2,397.00 (-3.46%) Homeowner's exemption | $169,616 (-1.37%) Land $30,063 Building $139,553 | $169,616 (-1.37%) Land $30,063 Building $139,553 |
| 2023 | $2,483.00 (+228.01%) Homeowner's exemption | $171,965 (+110.04%) Land $25,683 Building $146,282 | $171,965 (+18.37%) Land $25,683 Building $146,282 |
| 2022 | $757.00 Homeowner's exemption | $81,872 | $145,278 Land $21,412 Building $123,866 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 4 (2004–2022) |
| Claims Outside the SFHA | 3 of 4 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 112 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 |
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