Polk County property record for 103 2nd St N, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,482 sqft · built 2016 |
| Lot Size | 0.345 acres (15,006 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $10,000 (Mar 2015) |
| Tax Bill | $936 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Jun 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-05-670500-004213 |
| Primary APN | 26-29-05-670500-004213 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,482 sqft Living Area |
| Gross Area | 1,902 sqft |
| 1st Floor Area | 1,482 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Mobile Home |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 15,006 sqft (0.345 acres) |
| Lot Dimensions | 160 ft deep x 50 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 198 sqft |
| Street Address | 103 2ND ST N |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-5563 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | OUTHAVEN UNIT 1 PB 31 PG 8 LOT 42 THAT PT DESC AS COMM NORTHERNMOST COR LOT 29 RUN NE 50 FT FOR POB RUN NE 50 FT SE & PARALLEL TO REAR OF NE SIDE OF LOT 29 & 30 TO ST THEN RUN NW ALONG N SIDE OF ST TO INTERSEC OF LINE PARALLEL TO LOTS 28 29 & 30 AND |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 05 |
| Legal Subdivision | SOUTHAVEN UNIT 1 |
| Legal Tract | 670500 |
| Legal Block | 1 |
| Legal Lot Number | 42,29 |
| Legal Unit | 1 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 14600 |
Source: Polk County records, as of October 12, 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 | 103 2ND ST N, WINTER HAVEN, FL 33880-5563 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 8, 2026 | Deed of Trust, Mortgage · Balloon Mortgage SOUTH STATE BANK |
| Jun 8, 2026 | Deed of Trust, Mortgage · Balloon Mortgage SOUTH STATE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 3, 2015 · Amount on Record |
| Deed Sale | Mar 3, 2015 · Amount on Record |
| Deed Document Number | 201537921 |
| Deed Book / Page | 9465 / 1025 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 8, 2026 |
| Property Address | 103 2ND ST N, WINTER HAVEN, FL 33880-5563 |
| Document Number | 0000136065 |
| Book / Page | 14028 / 1694 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 2026136065 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Document Number | 0000136065, |
|---|---|
| Date | Jun 8, 2026 |
| Book Page | 14028/1694 |
| Instrument | 2026136065 |
| Name | SOUTH STATE BANK |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate Type | Balloon |
|---|---|
| Rate | 6.3% |
| Initial Type | Balloon |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 8, 2026 |
| Property Address | 103 2ND ST N, WINTER HAVEN, FL 33880-5563 |
| Document Number | 0000136065 |
| Book / Page | 14028 / 1694 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 2026136065 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Document Number | 0000136065, |
|---|---|
| Date | Jun 8, 2026 |
| Book Page | 14028/1694 |
| Instrument | 2026136065 |
| Name | SOUTH STATE BANK |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate Type | Balloon |
|---|---|
| Initial Type | Balloon |
| Max Rate | -1% |
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 | $114,096 (+2.7%) | $191,519 (+4.1%) Land $27,011 Building $164,508 | |
| 2025 | $936.00 (-30.62%) Homeowner's exemption | $111,096 (+5.99%) | $183,973 (+19.11%) Land $27,011 Building $156,962 |
| 2023 | $1,349.00 (+4.49%) Homeowner's exemption | $104,820 (+3%) | $154,456 (+8.06%) Land $26,261 Building $128,195 |
| 2022 | $1,291.00 Homeowner's exemption | $101,767 | $142,931 Land $26,261 Building $116,670 |
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 15 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 3 (2004–2024) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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 | Moderate above 46% of the US · lower than 83% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Frontier, Verizon.
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