90 Prospect Ave, Winter Haven, FL 33880 Property Records

Polk County property record for 90 Prospect Ave, Winter Haven, FL 33880

Property Summary

Property Type	Duplex
Details	2 bd · 1 ba · 1,152 sqft · built 1950
Lot Size	0.179 acres (7,802 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Sep 2020)
Tax Bill	$1,769 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-31-641300-000030`

Property Details

APN / Parcel Number

Primary APN	`26-28-31-641300-000030`
Alternative APNs	`312826641300000030` `12826000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Units	2 Units
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2006
Architectural Style	Duplex Single
Lot Area	7,802 sqft (0.179 acres)
Lot Dimensions	130 ft deep x 60 ft wide
View / Lot	Duplex
Garage Type	Carport
Garage Area	2,005 sqft
Carport	Carport
Carport Area	2,005 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	90 PROSPECT AVE
City	WINTER HAVEN
State	FL
Zip	33880-5337
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R4
Legal Description	LAKE SHIPP HTS UNIT 5 PB 34 PG 14 LOT 3
Legal Range	26E
Legal Township	28S
Legal Section	31
Legal Subdivision	LAKE SHIPP HEIGHTS UNIT 05
Legal Block	1
Legal Lot Number	3
Legal Unit	5
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1021
Census Tract	14701

Owner

Source: Polk County records, as of July 21, 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	90 PROSPECT AVE, WINTER HAVEN, FL 33880-5337
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2020	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG
Nov 15, 2018	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2020 · Amount on Record
Deed Sale	Sep 30, 2020 · Amount on Record
Prior Sale	Nov 15, 2018 · Amount on Record
Deed Document Number	2020205322
Deed Book / Page	11395 / 1742
Prior Transfer Date	Dec 12, 2014
Prior Transfer Doc	0000211773
Record Updated	Sep 20, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 30, 2020
Property Address	90 PROSPECT AVE, WINTER HAVEN, FL 33880-5337
Document Number	0113951742
Book / Page	011395 / 001742
Instrument Date	Sep 28, 2020
Instrument	205322
Transaction Type	Transfer
Record Updated	Oct 23, 2020
Title Company	RIDGE SECURITY TITLE INC, RIDGE SEC TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 PROSPECT AVE WINTER HAVEN FL 338805337, WINTER HAVEN, FL 33880-5337

Mortgage

Document Number	113951744
Date	Sep 30, 2020
Book Page	011395/001744
Instrument	205323

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2050

Mortgage

Document Number	113951764,
Date	Sep 30, 2020
Book Page	011395/001764
Instrument	205324

Lender

Name	HOUSING FIN AGCY
Address	TALLAHASSEE, FL 32301-1329

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 15, 2018
Property Address	90 PROSPECT AVE, WINTER HAVEN, FL 33880-5337
Document Number	0106720768
Book / Page	010672 / 000768
Instrument Date	Nov 9, 2018
Instrument	239975
Transaction Type	Transfer
Record Updated	Dec 6, 2018
Title Company	ASSURED TITLE, ASSURED TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,032.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15404 WINTERWIND DR TAMPA FL 336242228, TAMPA, FL 33624-2228

Mortgage

Document Number	106720770
Date	Nov 15, 2018
Book Page	010672/000770
Instrument	239976

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 23707

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2048

Mortgage

Document Number	106720786,
Date	Nov 15, 2018
Book Page	010672/000786
Instrument	239977

Lender

Name	HOUSING FIN AGCY
Address	TALLAHASSEE, FL 32301-1329

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2048

Interest

Rate	12%

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 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
2025	$1,769.00 (-26.51%) Homeowner's exemption	$166,308 (-0.98%)	$216,216 (+8.37%) Land $18,500 Building $126,137
2023	$2,407.00 (+12.32%) Homeowner's exemption	$167,960 (+22.73%)	$199,512 (+41.22%)
2022	$2,143.00 Homeowner's exemption	$136,857	$141,280 Land $15,000 Building $126,280

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

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 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.

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 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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