Polk County property record for 95 Ridge Ave, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,056 sqft · built 1951 |
| Lot Size | 0.179 acres (7,806 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $100,000 (Dec 2005) |
| Tax Bill | $248 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-31-641300-000110 |
| Primary APN | 26-28-31-641300-000110 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| Gross Area | 960 sqft |
| 1st Floor Area | 960 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plaster |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 7,806 sqft (0.179 acres) |
| Lot Dimensions | 130 ft deep x 60 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Screened/Unfinished Porch |
|---|---|
| Porch Area | 360 sqft |
| Shed | 1 Shed |
| Utility Building | 42 sqft |
| Cooling System | None |
|---|
| Street Address | 95 RIDGE AVE |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-5343 |
| 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 11 |
| 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 | 11 |
| Legal Unit | 5 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 14701 |
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 95 RIDGE AVE, WINTER HAVEN, FL 33880-5343 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 9, 2005 · Amount on Record |
| Deed Sale | Dec 9, 2005 · Amount on Record |
| Prior Sale | Sep 18, 2003 · Amount on Record |
| Deed Document Number | 2005301276 |
| Deed Book / Page | 6530 / 915 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 95 RIDGE AVE, WINTER HAVEN, FL 33880-5343 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000257074 |
|---|---|
| Date | Sep 22, 2022 |
| Book Page | 12428/2001 |
| Instrument | 2022257074 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2037 |
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 | $44,913 (+2.7%) | $155,236 (-1.49%) Land $13,500 Building $141,736 | |
| 2025 | $248.00 (-64.82%) Homeowner's exemption | $43,732 (+8.47%) | $157,578 (+6.74%) Land $13,500 Building $144,078 |
| 2023 | $705.00 (+7.96%) Homeowner's exemption | $40,318 (+3%) | $147,633 (+23.39%) Land $13,000 Building $134,633 |
| 2022 | $653.00 Homeowner's exemption | $39,144 | $119,646 Land $11,000 Building $108,646 |
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.
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 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 |
|
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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures