Polk County property record for 96 Prospect Ave, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 960 sqft · built 1950 |
| Lot Size | 0.178 acres (7,754 sqft) |
| Owner | Individual Name on File |
| Last Sale | $8,500 (Oct 1997) |
| Tax Bill | $969 (2025) |
| Deeds & Mortgages | Apr 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-31-641300-000010 |
| Primary APN | 26-28-31-641300-000010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Flooring | Terrazzo |
| Interior Walls | Plaster |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 7,754 sqft (0.178 acres) |
| Lot Dimensions | 130 ft deep x 60 ft wide |
| View / Lot | Commercial/Industrial |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 294 sqft |
| Shed | 1 Shed |
| Cooling System | None |
|---|
| Street Address | 96 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 1 |
| 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 | 1 |
| 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 assessment roll, as of July 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 File |
|---|---|
| Mailing Address | 96 PROSPECT AVE, WINTER HAVEN, FL 33880-5337 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 31, 1997 · Amount on Record |
| Deed Sale | Oct 31, 1997 · Amount on Record |
| Deed Book / Page | 3923 / 2038 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 96 PROSPECT AVE, WINTER HAVEN, FL 33880-5337 |
| Document Number | 0101140929 |
| Book / Page | 010114 / 000929 |
| Instrument Date | Apr 1, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 6, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 96 PLOWED AVE WINTER HAVEN FL 33880, WINTER HAVEN, FL 33880 |
| Document Number | 0101140929 |
|---|---|
| Date | Apr 10, 2017 |
| Book Page | 010114/000929 |
| Instrument | 67731 |
| Name | MIDFLORIDA CU ISAOA |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 9, 2027 |
| Rate Type | Adjustable Rate |
|---|
Source: Polk County assessment roll, as of July 23, 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 |
|---|---|---|---|
| 2025 | $969.00 (+83.87%) Homeowner's exemption | $113,565 (+251.41%) Land $13,500 Building $100,065 | $113,565 (+5.97%) Land $13,500 Building $100,065 |
| 2023 | $527.00 (+3.33%) Homeowner's exemption | $32,317 (+3%) | $107,172 (+22.96%) Land $13,000 Building $94,172 |
| 2022 | $510.00 Homeowner's exemption | $31,376 | $87,163 Land $11,000 Building $76,163 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
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 USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Xfinity.
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