103 4th St SE, Winter Haven, FL 33880 Property Records

Polk County property record for 103 4th St SE, Winter Haven, FL 33880

Property Summary

Property Type	Duplex
Details	2 bd · 1 ba · 3,164 sqft · built 1940
Lot Size	0.324 acres (14,105 sqft)
Owner	Company Name on File
Last Sale	$125,000 (Jul 2020)
Tax Bill	$4,086 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Jul 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-28-606500-000306`

Property Details

APN / Parcel Number

Primary APN	`26-28-28-606500-000306`
Alternative APNs	`282826606500000306` `82826000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	3,164 sqft Living Area
1st Floor Area	3,164 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2001
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable
Roof Material	Other
Lot Area	14,105 sqft (0.324 acres)
Lot Dimensions	140 ft deep x 100 ft wide
View / Lot	Commercial/Industrial

Exterior Amenities

Porch	Enclosed/Unfinished Porch
Porch Area	200 sqft
Canopy	24 sqft
Total Buildings	2 Buildings

Location & Zoning

Street Address	103 4TH ST SE
City	WINTER HAVEN
State	FL
Zip	33880-3028
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R3
Legal Description	REPLAT OF PART OF DENISON HTS ESTATE PB 25 PG 37 LOT C S 140.2 FT OF W 100.026 FT
Legal Range	26E
Legal Township	28S
Legal Section	28
Legal Subdivision	DENISON HEIGHTS ESTATES REPLAT PART OF
Legal Tract	606500
Legal Block	2
Legal Lot Number	C
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2037
Census Tract	13702

Owner

103 4th St SE, a duplex, is owned by a company that bought it in July 2020.

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

Owner of Record	Company Name on File
Mailing Address	81 DUVAL RD, WINTER HAVEN, FL 33884-1511
Owner Type	Company
Vesting	Limited Liability Company

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

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GERSHMAN MTG
Jul 8, 2019	Warranty Deed, Transfer PARAMOUNT TITLE
May 31, 2018	Warranty Deed, Transfer PARAMOUNT TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2020 · Amount on File
Deed Sale	Jul 10, 2020 · Amount on File
Prior Sale	Jul 8, 2019 · Amount on File
Deed Document Number	2020138632
Deed Book / Page	11295 / 707
Prior Transfer Date	Feb 3, 2007
Prior Transfer Doc	0000035684
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 10, 2020
Property Address	103 4TH ST SE, WINTER HAVEN, FL 33880-3028
Document Number	0112950707
Book / Page	011295 / 000707
Instrument Date	Jun 30, 2020
Instrument	138632
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 31, 2020
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$875.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	81 DUVAL RD WINTER HAVEN FL 338841511, WINTER HAVEN, FL 33884-1511

Mortgage

Document Number	112950709
Date	Jul 10, 2020
Book Page	011295/000709
Instrument	138633

Lender

Name	GERSHMAN MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 9, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 8, 2019
Property Address	103 4TH ST SE, WINTER HAVEN, FL 33880-3028
Document Number	0108990371
Book / Page	010899 / 000371
Instrument Date	Jun 28, 2019
Instrument	140913
Transaction Type	Transfer
Record Updated	Jul 18, 2019
Title Company	PARAMOUNT TITLE

Transaction

Amount	Amount on Record
Tax	$1,925.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4000 N FRONTAGE RD PLANT CITY FL 335652543, PLANT CITY, FL 33565-2543

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 31, 2018
Property Address	103 4TH ST SE, WINTER HAVEN, FL 33880-3028
Document Number	0105020192
Book / Page	010502 / 000192
Instrument Date	May 18, 2018
Instrument	116370
Transaction Type	Transfer
Record Updated	Jun 21, 2018
Title Company	PARAMOUNT TITLE

Transaction

Amount	Amount on Record
Tax	$2,099.30
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	57 SKIDMORE RD WINTER HAVEN FL 338843039, WINTER HAVEN, FL 33884-3039

Tax Assessment & Valuation

The 2025 property tax bill for 103 4th St SE was $4,086, up 14.2% from the year before.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$216,216 (+4.68%) Land $44,000 Building $249,136	$216,216 (-8.45%) Land $44,000 Building $249,136
2025	$4,086.00 (+14.17%)	$206,554	$236,184 Land $44,000 Building $250,669
2024	$3,579.00 (+44.49%)
2023	$2,477.00 (+9.99%)	$128,640 (+11.02%) Land $42,000 Building $86,640	$128,640 (+11.02%) Land $42,000 Building $86,640
2022	$2,252.00	$115,870 Land $35,000 Building $80,870	$115,870 Land $35,000 Building $80,870

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

Flood

FEMA maps place 103 4th St SE in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2026.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2026)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2026 · rainfall accumulation

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 103 4th St SE is low, with less than a 0.01% annual chance of 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	Under 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 192 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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