928 Maddox St, Winter Haven, FL 33880 Property Records

Polk County property record for 928 Maddox St, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,816 sqft · built 2022
Lot Size	0.226 acres (9,823 sqft)
Owner	Individual Name on File
Last Sale	$348,700 (Dec 2022)
Tax Bill	$2,881 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-29-02-356732-000100`

Property Details

APN / Parcel Number

Primary APN	`25-29-02-356732-000100`
Alternative APN	`022925356732000100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,816 sqft Living Area
Gross Area	2,236 sqft
1st Floor Area	1,816 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	9,823 sqft (0.226 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Unfinished Open Porch
Porch Area	104 sqft

Location & Zoning

Street Address	928 MADDOX ST
City	WINTER HAVEN
State	FL
Zip	33880-5110
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAGE AT CRYSTAL BEACH PB 183 PGS 24-25 LOT 10
Legal Range	25E
Legal Township	29S
Legal Section	02
Legal Subdivision	VILLAGE AT CRYSTAL BEACH
Legal Block	3
Legal Lot Number	10
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	3
Census Block	3018
Census Tract	14701

Owner

928 Maddox St is owned and occupied by an individual who bought it in December 2022.

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

Owner of Record	Individual Name on File
Mailing Address	928 MADDOX ST, WINTER HAVEN, FL 33880-5110
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 22, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 30, 2022	Warranty Deed, Subdivision Related Transfer · FHA Mortgage HOME SOLUTION LENDERS INC
Aug 25, 2022	Warranty Deed, Transfer INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2022 · Amount on File
Deed Sale	Dec 30, 2022 · Amount on File
Prior Sale	Aug 25, 2022 · Amount on File
Deed Document Number	2022336061
Deed Book / Page	12536 / 1062
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	928 MADDOX ST, WINTER HAVEN, FL 33880-5110
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	928 MADDOX ST, WINTER HAVEN, FL 33880-5110

Mortgage

Document Number	0000249526
Date	Oct 22, 2025
Book Page	13748/955
Instrument	2025249526

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

December 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 30, 2022
Property Address	928 MADDOX ST, WINTER HAVEN, FL 33880-5110
Document Number	0000336061
Book / Page	12536 / 1062
Map Reference	MB 183 PG 24&25
Instrument Date	Dec 28, 2022
Instrument	2022336061
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 5, 2024
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TITLE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,440.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	928 MADDOX ST, WINTER HAVEN, FL 33880-5110
Investor	Possibly a Property Investor

Mortgage

Document Number	0125361063
Date	Dec 30, 2022
Instrument	12536/1063

Lender

Name	HOME SOLUTION LENDERS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 25, 2022
Property Address	928 MADDOX ST, WINTER HAVEN, FL 33880-5110
Document Number	0000231397
Book / Page	12393 / 252
Map Reference	MB 183 PG 24&25
Instrument Date	Aug 24, 2022
Instrument	2022231397
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Transaction

Amount	Amount on Record
Tax	$439.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1925 F EDGEWOOD DRIVE #100100, 100100, MIAMI, FL 33013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Tax Assessment & Valuation

The 2025 property tax bill for 928 Maddox St was $2,881 with a homeowner's exemption, down 23.3% from the year before.

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		$258,821 (-1.61%) Land $60,000 Building $198,821	$258,821 (-1.61%) Land $60,000 Building $198,821
2025	$2,881.00 (-23.3%)	$263,056 Land $60,000 Building $203,056	$263,056 Land $60,000 Building $203,056
2024	$3,756.00 (+6.13%)
2023	$3,539.00 (+335.84%) Homeowner's exemption	$260,017 (+441.7%) Land $58,000 Building $202,017	$260,017 (+441.7%) Land $58,000 Building $202,017
2022	$812.00	$48,000 Land $48,000	$48,000 Land $48,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 928 Maddox St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2022.

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 39 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	2 (2022)
Most Recent Claim	Oct 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.

Wildfire

Wildfire risk around 928 Maddox St is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% 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	CENTRAL serves 13,595 people · EPA ID FL6534609
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 332 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.

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