Polk County property record for 91 Center St, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,560 sqft · built 1958 |
| Lot Size | 0.216 acres (9,418 sqft) |
| Owner | Trust Name on File |
| Last Sale | $93,000 (Aug 2007) |
| Tax Bill | $2,011 (2025) |
| Deeds & Mortgages | Oct 2022 Transfer Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-31-641400-000050 |
| Primary APN | 26-28-31-641400-000050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,560 sqft Living Area |
| Gross Area | 1,296 sqft |
| 1st Floor Area | 912 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plaster |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 9,418 sqft (0.216 acres) |
| Lot Dimensions | 145 ft deep x 65 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Carport |
| Garage Area | 2,000 sqft |
| Carport | Carport |
| Carport Area | 2,000 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 648 sqft |
| Patio Area | 384 sqft |
| Shed | 1 Shed |
| Utility Building | 96 sqft |
| Street Address | 91 CENTER ST |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-5314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LAKE SHIPP HEIGHTS UNIT 6 PB 35 PG 41 LOT 5 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 31 |
| Legal Subdivision | LAKE SHIPP HEIGHTS UNIT 06 |
| Legal Tract | 641400 |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Legal Unit | 6 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 14701 |
91 Center St is held in a trust since October 2021.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 4026 BEDFORD AVE, WINTER HAVEN, FL 33884-5205 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 19, 2022 | Intrafamily Transfer, Transfer ACCOMMODATION |
| Nov 8, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN FINANCING CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 30, 2007 · Amount on File |
| Deed Sale | Aug 30, 2007 · Amount on File |
| Deed Document Number | 2007183563 |
| Deed Book / Page | 7411 / 1473 |
| Last Transfer Date | Oct 28, 2021 |
| Transfer Doc | 0000290954 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 19, 2022 |
| Property Address | 91 CENTER ST, WINTER HAVEN, FL 33880-5314 |
| Document Number | 0000275866 |
| Book / Page | 12454 / 787 |
| Map Reference | MB 35 PG 41 |
| Instrument Date | Aug 26, 2022 |
| Instrument | 2022275866 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4026 BEDFORD AVE, 4026, WINTER HAVEN, FL 33884-5205 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 4026 BEDFORD AVE, WINTER HAVEN, FL 33884-5205 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 8, 2021 |
| Property Address | 91 CENTER ST, WINTER HAVEN, FL 33880-5314 |
| Document Number | 0000290954 |
| Book / Page | 11972 / 132 |
| Map Reference | MB 35 PG 41 |
| Instrument Date | Oct 28, 2021 |
| Instrument | 2021290954 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4026 BEDFORD AVE, WINTER HAVEN, FL 33884-5205 |
| Document Number | 0011972135 |
|---|---|
| Date | Nov 8, 2021 |
| Instrument | 11972/135 |
| Name | AMERICAN FINANCING CORP |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
The 2025 property tax bill for 91 Center St was $2,011.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $129,501 (+1%) | $200,999 (-1.02%) Land $13,500 Building $187,499 | |
| 2025 | $2,011.00 | $117,728 | $203,078 Land $13,500 Building $189,578 |
| 2023 | $2,309.00 (+16.91%) | $189,526 (+32.09%) Land $13,000 Building $176,526 | $189,526 (+32.09%) Land $13,000 Building $176,526 |
| 2022 | $1,975.00 | $143,486 Land $11,000 Building $132,486 | $143,486 Land $11,000 Building $132,486 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 91 Center St in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1994.
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 |
| Flood Insurance Cost | Premium on File 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 |
|
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 risk around 91 Center St is low, with a 0.01% annual chance of 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.
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 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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