907 15th St SW, Winter Haven, FL 33880 Property Records

Polk County property record for 907 15th St SW, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,054 sqft · built 1977
Lot Size	0.198 acres (8,616 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Mar 2023)
Tax Bill	$3,143 (2025)
Deeds & Mortgages	Mar 2023 Sale Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-31-000000-011040`

Property Details

APN / Parcel Number

Primary APN	`26-28-31-000000-011040`
Alternative APNs	`312826000000011040` `12826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,054 sqft Living Area
Gross Area	1,353 sqft
1st Floor Area	1,054 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	8,616 sqft (0.198 acres)
Lot Dimensions	120 ft deep x 66 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	299 sqft

Location & Zoning

Street Address	907 15TH ST SW
City	WINTER HAVEN
State	FL
Zip	33880-2603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	COMM NE COR SEC S00-13-10W 190.97 FT N 89-46-50W 30 FT TO POB N00-13-10E 50 FT NWLY ALONG CURVE 39.27 FT N 89-46-50W 34.96 FT NWLY ALONG CURVE 50.98 FT S07-02-34W 83.9 FT S89-46-50E 120 FT TO POB BEING LOT 1 OF UNRE FOXBRIAR
Legal Range	26E
Legal Township	28S
Legal Section	31
Legal Subdivision	CABIN LOTS
Legal Tract	000000
Legal Block	2
Legal Lot Number	1
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2009
Census Tract	13801

Owner

907 15th St SW is owned by two individuals who acquired it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	3708 CRYSTAL BEACH RD, WINTER HAVEN, FL 33880-4915
Owner Type	Individual
Vesting	Life Estate

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
Mar 13, 2023	Warranty Deed, Transfer TITLE SOLUTIONS/FL LLC, TITLE SOLUTIONS GROUP OF FL
Dec 28, 2021	Deed of Trust, Mortgage · FHA Mortgage RUSHMORE LOAN MANAGEMENT SERVICES LLC
Aug 9, 2017	Warranty Deed, Transfer · FHA Mortgage EMBRACE HM LOANS
Mar 30, 2017	Trustee's Deed, Construction Loan · Construction Mortgage LENDINGHOME FNDG
Feb 27, 2017	Grant Deed, Transfer SERVICELINK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2023 · Amount on File
Deed Sale	Mar 13, 2023 · Amount on File
Prior Sale	Aug 9, 2017 · Amount on File
Deed Document Number	202357890
Deed Book / Page	12613 / 91
Last Transfer Date	Sep 8, 2025
Transfer Doc	0000224764
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 13, 2023
Property Address	907 15TH ST SW, WINTER HAVEN, FL 33880-2603
Document Number	0000057890
Book / Page	12613 / 91
Instrument Date	Mar 9, 2023
Instrument	2023057890
Transaction Type	Transfer
Record Updated	Mar 23, 2023
Title Company	TITLE SOLUTIONS/FL LLC, TITLE SOLUTIONS GROUP OF FL

Transaction

Amount	Amount on Record
Tax	$1,470.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	907 15TH ST SW, WINTER HAVEN, FL 33880-2603

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4938 S 181ST PL, SEATAC, WA 98188-4679

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	907 15TH ST SW, WINTER HAVEN, FL 33880-2603
Transaction Type	Mortgage
Record Updated	Jan 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	907 15TH ST SW, WAHNETA, FL 33880-2603

Mortgage

Document Number	0000336864
Date	Dec 28, 2021
Book Page	12045/1921
Instrument	2021336864

Lender

Name	RUSHMORE LOAN MANAGEMENT SERVICES LLC
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	309 Months
Due	Sep 1, 2047

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 9, 2017
Property Address	907 15TH ST SW, WINTER HAVEN, FL 33880-2603
Document Number	0102281639
Book / Page	010228 / 001639
Instrument Date	Aug 2, 2017
Instrument	152223
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	SOUTHERN TITLE, SOUTHERN TITLE AND ABSTRACT INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$868.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	907 15TH ST SW WINTER HAVEN FL 338802603, WINTER HAVEN, FL 33880-2603

Mortgage

Document Number	102281641
Date	Aug 9, 2017
Book Page	010228/001641
Instrument	152224

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDIETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 8, 2047

Mortgage

Document Number	102281658,
Date	Aug 9, 2017
Book Page	010228/001658
Instrument	152225

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	WINTER HAVEN, FL 33881

Agreement

Amount	Amount on Record

March 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	POLK FL
Recording Date	Mar 30, 2017
Property Address	907 15TH ST SW, WINTER HAVEN, FL 33880-2603
Document Number	0101051391
Book / Page	010105 / 001391
Instrument Date	Mar 24, 2017
Instrument	61063
Transaction Type	Construction Loan
Record Updated	Jun 28, 2017
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	13538 VILLAGE PARK DR #205 ORLANDO FL 328373603, 205, ORLANDO, FL 32837-3603
Investor	Possibly a Property Investor

Mortgage

Document Number	101051391
Date	Mar 30, 2017
Book Page	010105/001391
Instrument	61063

Lender

Name	LENDINGHOME FNDG
Type	Funding / Finance Company
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Construction Mortgage
Amount	Amount on Record

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Feb 27, 2017
Property Address	907 15TH ST SW, WINTER HAVEN, FL 33880-2603
Document Number	0100761058
Book / Page	010076 / 001058
Instrument Date	Jan 23, 2017
Instrument	38213
Transaction Type	Transfer
Record Updated	Jun 21, 2017
Title Company	SERVICELINK

Transaction

Amount	Amount on Record
Tax	$455.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	13538 VILLAGE DR #205 ORLANDO FL 32837, 205, ORLANDO, FL 32837

Tax Assessment & Valuation

The 2025 property tax bill for 907 15th St SW was $3,143.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$165,918 (+0.42%) Land $31,000 Building $134,918	$165,918 (+0.42%) Land $31,000 Building $134,918
2025	$3,143.00	$165,227 Land $31,000 Building $134,227	$165,227 Land $31,000 Building $134,227
2023	$930.00 (+4.61%)	$91,301 (+3%)	$161,032 (+4.44%) Land $30,000 Building $131,032
2022	$889.00 Homeowner's exemption	$88,642	$154,191 Land $25,000 Building $129,191

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

FEMA maps place 907 15th St SW 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 21 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	11 (1992–2022)
Claims Outside the SFHA	1 of 11
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims Hurricane Frances, Sep 2004 · 6 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

Wildfire risk around 907 15th St SW 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 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 241 locations within half a mile, as of December 31, 2025

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

May also be available: Frontier, Verizon.

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