87 High St, Winter Haven, FL 33880 Property Records

Polk County property record for 87 High St, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,279 sqft · built 1959
Lot Size	0.21 acres (9,135 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Jan 2026)
Tax Bill	$349 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Feb 2026 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-31-640900-000070`

Property Details

APN / Parcel Number

Primary APN	`26-28-31-640900-000070`
Alternative APNs	`312826640900000070` `12826000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,279 sqft Living Area
1st Floor Area	1,019 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Other
Lot Area	9,135 sqft (0.21 acres)
Lot Dimensions	140 ft deep x 65 ft wide
View / Lot	Commercial/Industrial

Exterior Amenities

Porch	Florida Room
Porch Area	284 sqft
Shed	1 Shed
Utility Building	91 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	87 HIGH ST
City	WINTER HAVEN
State	FL
Zip	33880-5320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LAKE SHIPP HGTS UNIT 9 PB 43 PG 5 LOT 7
Legal Range	26E
Legal Township	28S
Legal Section	31
Legal Subdivision	LAKE SHIPP HEIGHTS UNIT 09
Legal Tract	640900
Legal Block	1
Legal Lot Number	7
Legal Unit	9
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1019
Census Tract	14701

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	87 HIGH ST, WINTER HAVEN, FL 33880-5320
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2026	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Feb 12, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FLORIDA HOUSING FINANCE CORP
Jan 26, 2026	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Dec 17, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2026 · Amount on Record
Deed Sale	Jan 26, 2026 · Amount on Record
Prior Sale	Jun 17, 2014 · Amount on Record
Deed Document Number	202620161
Deed Book / Page	13858 / 2049
Prior Transfer Date	Dec 14, 2021
Prior Transfer Doc	0000328693
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	87 HIGH ST, WINTER HAVEN, FL 33880-5320
Transaction Type	Mortgage
Record Updated	Mar 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4904 ELMWOOD ST, NEW PORT RICHEY, FL 34653-5149

Mortgage

Document Number	0000035954
Date	Feb 12, 2026
Book Page	13880/1250
Instrument	2026035954

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	87 HIGH ST, WINTER HAVEN, FL 33880-5320
Transaction Type	Mortgage
Record Updated	Mar 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	87 HIGH ST, WINTER HAVEN, FL 33880-5320

Mortgage

Document Number	0000035955
Date	Feb 12, 2026
Book Page	13880/1265
Instrument	2026035955

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Government Agency
Address	TALLAHASSEE, FL 32301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 26, 2026
Property Address	87 HIGH ST, WINTER HAVEN, FL 33880-5320
Document Number	0000020161
Book / Page	13858 / 2049
Map Reference	MB 43 PG 5
Instrument Date	Jan 22, 2026
Instrument	2026020161
Transaction Type	Transfer
Record Updated	Feb 10, 2026
Title Company	RIDGE SECURITY TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	42 ODESSA DR, WINTER HAVEN, FL 33880-5408

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	87 HIGH ST, WINTER HAVEN, FL 33880-5320

Mortgage

Document Number	0138582051
Date	Jan 26, 2026
Instrument	13858/2051

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Mortgage

Document Number	0000020164
Date	Jan 26, 2026
Book Page	13858/2068
Instrument	2026020164

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Dec 17, 2021
Property Address	87 HIGH ST, WINTER HAVEN, FL 33880-5320
Document Number	0000328693
Book / Page	12031 / 1477
Map Reference	MB 43 PG 5
Instrument Date	Dec 14, 2021
Instrument	2021328693
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	87 HIGH ST, WINTER HAVEN, FL 33880-5320

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		$54,790 (+2.7%)	$179,026 (-2.23%) Land $13,500 Building $165,526
2025	$349.00 (-59.04%) Homeowner's exemption	$53,350 (+5.99%)	$183,102 (+6.3%) Land $13,500 Building $169,602
2023	$852.00 (+6.37%) Homeowner's exemption	$50,336 (+3%)	$172,258 (+25.1%) Land $13,000 Building $159,258
2022	$801.00 Homeowner's exemption	$48,870	$137,695 Land $11,000 Building $126,695

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.

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 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	Hurricane Frances, Sep 2004 · 2 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 5 claims

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 99.1% of the US · lower than 98.7% 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 363 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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