94 Prospect Ave, Winter Haven, FL 33880 Property Records

Polk County property record for 94 Prospect Ave, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,318 sqft · built 1950
Lot Size	0.179 acres (7,802 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Apr 2021)
Tax Bill	$800 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Aug 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-31-641300-000020`

Property Details

APN / Parcel Number

Primary APN	`26-28-31-641300-000020`
Alternative APNs	`312826641300000020` `12826000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,318 sqft Living Area
Gross Area	1,216 sqft
1st Floor Area	960 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1985
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	7,802 sqft (0.179 acres)
Lot Dimensions	130 ft deep x 60 ft wide
View / Lot	Commercial/Industrial
Porch	Florida Room
Porch Area	460 sqft
Shed	1 Shed

Location & Zoning

Street Address	94 PROSPECT AVE
City	WINTER HAVEN
State	FL
Zip	33880-5337
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LAKE SHIPP HTS UNIT 5 PB 34 PG 14 LOT 2
Legal Range	26E
Legal Township	28S
Legal Section	31
Legal Subdivision	LAKE SHIPP HEIGHTS UNIT 05
Legal Tract	641300
Legal Block	1
Legal Lot Number	2
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 June 23, 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	94 PROSPECT AVE, WINTER HAVEN, FL 33880-5337
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2021	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Aug 17, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 10, 2018	Trustee's Deed, Foreclosure Foreclosure Auction
Feb 14, 2017	Quit Claim Deed, Transfer · Conventional with PMI MARY S STACEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2021 · Amount on Record
Deed Sale	Apr 7, 2021 · Amount on Record
Prior Sale	Oct 15, 2018 · Amount on Record
Deed Document Number	202186576
Deed Book / Page	11655 / 176
Record Updated	Sep 20, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 7, 2021
Property Address	94 PROSPECT AVE, WINTER HAVEN, FL 33880-5337
Document Number	0000086576
Book / Page	11655 / 176
Map Reference	MB 34 PG 14
Instrument Date	Mar 26, 2021
Instrument	2021086576
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATIONAL TTL AGCY LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 GRUBBS RD, 120, WINTER HAVEN, FL 33880-4944

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	94 PROSPECT AVE, WINTER HAVEN, FL 33880-5337

Mortgage

Document Number	0011655178
Date	Apr 7, 2021
Instrument	11655/178

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Aug 17, 2020
Property Address	94 PROSPECT AVE, WINTER HAVEN, FL 33880-5337
Document Number	0113370701
Book / Page	011337 / 000701
Instrument Date	Aug 4, 2020
Instrument	166804
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 GRUBBS RD WINTER HAVEN FL 338804944, WINTER HAVEN, FL 33880-4944

July 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	POLK FL
Recording Date	Jul 10, 2018
Property Address	94 PROSPECT AVE, WINTER HAVEN, FL 33880-5337
Document Number	0105441092
Book / Page	010544 / 001092
Instrument Date	Jun 29, 2018
Instrument	146872
Transaction Type	Foreclosure
Record Updated	Jul 23, 2018

Transaction

Amount	Amount Recorded
Tax	$11.20
Amount Accuracy	Confirmed
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3864 BERKLEY RD AUBURNDALE FL 338238406, AUBURNDALE, FL 33823-8406

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Feb 14, 2017
Property Address	94 PROSPECT AVE, WINTER HAVEN, FL 33880-5337
Document Number	0100651391
Book / Page	010065 / 001391
Instrument Date	Feb 3, 2017
Instrument	29262
Transaction Type	Transfer
Record Updated	Jun 16, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	94 PROSPECT AVE WINTER HAVEN FL 338805337, WINTER HAVEN, FL 33880-5337

Mortgage

Document Number	100651392
Date	Feb 14, 2017
Book Page	010065/001392
Instrument	29263

Lender

Name	MARY S STACEY
Address	3864 BERKLEY RD, AUBURNDALE, FL 33823-8406
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

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	$800.00 (-35.59%) Homeowner's exemption	$100,823 (+5.99%)	$177,939 (+6.47%) Land $13,500 Building $164,439
2023	$1,242.00 (-45.29%) Homeowner's exemption	$95,128 (-28.05%)	$167,119 (+26.39%) Land $13,000 Building $154,119
2022	$2,270.00	$132,222 Land $11,000 Building $121,222	$132,222 Land $11,000 Building $121,222

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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