102 Harbor Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 102 Harbor Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,083 sqft · built 1961
Lot Size	0.167 acres (7,279 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Sep 2022)
Tax Bill	$1,771 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-08-528700-001070`

Property Details

APN / Parcel Number

Primary APN	`26-28-08-528700-001070`
Alternative APNs	`082826528700001070` `82826000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,083 sqft Living Area
1st Floor Area	1,083 sqft
Flooring	Terrazzo
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 2010
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	7,279 sqft (0.167 acres)
Lot Dimensions	104 ft deep x 70 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Porch	Finished/Open Porch
Porch Area	65 sqft
Utility Building	100 sqft

Location & Zoning

Street Address	102 HARBOR DR
City	WINTER HAVEN
State	FL
Zip	33881-9609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CAREFREE COVE PB 43 PG 19 LOT 107
Legal Range	26E
Legal Township	28S
Legal Section	08
Legal Subdivision	CAREFREE COVE
Legal Tract	528700
Legal Block	1
Legal Lot Number	107
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1031
Census Tract	13601

Owner

102 Harbor Dr is owned and occupied by an individual who bought it in September 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	102 HARBOR DR, WINTER HAVEN, FL 33881-9609
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Sep 8, 2022	Warranty Deed, Transfer · FHA Mortgage THE HOME LOAN EXPERT LLC
Oct 8, 2021	Re-recorded Document STEWART TITLE COMPANY-F, STEWART TITLE COMPANY
Aug 30, 2021	Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY
Nov 22, 2017	Warranty Deed, Transfer ATTORNEY ONLY
Sep 7, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2022 · Amount on File
Deed Sale	Sep 8, 2022 · Amount on File
Prior Sale	Aug 30, 2021 · Amount on File
Deed Document Number	2022244263
Deed Book / Page	12411 / 1344
Prior Transfer Date	Aug 20, 2021
Prior Transfer Doc	0000264205
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Aug 6, 2026
Property Address	102 HARBOR DR, WINTER HAVEN, FL 33881-9609
Document Number	0000188806
Book / Page	14104 / 2077
Instrument Date	Jun 11, 2026
Instrument	2026188806
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 HARBOR DR, WINTER HAVEN, FL 33881-9609

Mortgage

Document Number	0000188806,
Date	Aug 6, 2026
Book Page	14104/2077
Instrument	2026188806

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	479 Months
Due	Jul 1, 2066

Interest

Rate	6.36%
Max Rate	-1%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 8, 2022
Property Address	102 HARBOR DR, WINTER HAVEN, FL 33881-9609
Document Number	0000244263
Book / Page	12411 / 1344
Map Reference	MB 43 PG 19
Instrument Date	Aug 13, 2022
Instrument	2022244263
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	913 AXLEWOOD CIR, BRANDON, FL 33511-6212

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 HARBOR DR, WINTER HAVEN, FL 33881-9609

Mortgage

Document Number	0000244264
Date	Sep 8, 2022
Book Page	12411/1345
Instrument	2022244264

Lender

Name	THE HOME LOAN EXPERT LLC
Type	Mortgage Company
Address	SAINT LOUIS, MO 63144

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

October 2021: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	POLK FL
Recording Date	Oct 8, 2021
Property Address	102 HARBOR DR, WINTER HAVEN, FL 33881-9609
Document Number	0000264205
Book / Page	11931 / 1984
Map Reference	MB 43 PG 19
Instrument Date	Aug 20, 2021
Instrument	2021264205
Record Updated	Jan 19, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1046 MEDINAH DR, WINTER HAVEN, FL 33884-1275

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	913 AXIEWOOD CIRCLE, BRANDON, FL 33511-6212

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 30, 2021
Property Address	102 HARBOR DR, WINTER HAVEN, FL 33881-9609
Document Number	0000226107
Book / Page	11869 / 1259
Map Reference	MB 43 PG 19
Instrument Date	Aug 20, 2021
Instrument	2021226107
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$665.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1046 MEDINAH DR, WINTER HAVEN, FL 33884-1275

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 22, 2017
Property Address	102 HARBOR DR, WINTER HAVEN, FL 33881-9609
Document Number	0103220866
Book / Page	010322 / 000866
Instrument Date	Nov 15, 2017
Instrument	225505
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$316.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1046 MEDINAH DR WINTER HAVEN FL 338841275, WINTER HAVEN, FL 33884-1275

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 7, 2017
Property Address	102 HARBOR DR, WINTER HAVEN, FL 33881-9609
Document Number	0102571025
Book / Page	010257 / 001025
Instrument Date	Aug 4, 2017
Instrument	174363
Transaction Type	Transfer
Record Updated	Sep 25, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	545 AVENUE I SE WINTER HAVEN FL 338803778, WINTER HAVEN, FL 33880-3778

Tax Assessment & Valuation

The 2025 property tax bill for 102 Harbor Dr was $1,771 with a homeowner's exemption.

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		$162,881 (-6.43%) Land $18,500 Building $144,381	$162,881 (-6.43%) Land $18,500 Building $144,381
2025	$1,771.00 Homeowner's exemption	$174,083 Land $18,500 Building $155,583	$174,083 Land $18,500 Building $155,583
2023	$2,285.00 (+3.25%) Homeowner's exemption	$174,266 (+34.91%) Land $18,000 Building $156,266	$174,266 (+34.91%) Land $18,000 Building $156,266
2022	$2,213.00	$129,173 Land $15,000 Building $114,173	$129,173 Land $15,000 Building $114,173

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 102 Harbor Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 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 102 Harbor Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.03% 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 253 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Harbor Dr

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