Polk County property record for 103 Harbor Dr, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,325 sqft · built 1972 |
| Lot Size | 0.167 acres (7,279 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $240 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-08-528900-001090 |
| Primary APN | 26-28-08-528900-001090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,325 sqft Living Area |
| 1st Floor Area | 1,325 sqft |
| Flooring | Terrazzo |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Aluminum/Vinyl |
| 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 |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 384 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 103 HARBOR DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33881-9610 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CAREFREE COVE UNIT 3 PB 46 PG 8 LOT 109 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 08 |
| Legal Subdivision | CAREFREE COVE UNIT 3 |
| Legal Tract | 528900 |
| Legal Block | 1 |
| Legal Lot Number | 109 |
| Legal Unit | 3 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 13601 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 103 HARBOR DR, WINTER HAVEN, FL 33881-9610 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Sep 29, 2011 |
| Transfer Doc | 0000168360 |
| Record Updated | Oct 29, 2026 |
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 | $44,280 (+2.7%) | $196,743 (-1.73%) Land $18,500 Building $178,243 | |
| 2025 | $240.00 (-65.76%) Homeowner's exemption | $43,116 (+5.99%) | $200,198 (+2.1%) Land $18,500 Building $181,698 |
| 2023 | $701.00 (+6.86%) Homeowner's exemption | $40,681 (+3%) | $196,086 (+20.36%) Land $18,000 Building $178,086 |
| 2022 | $656.00 Homeowner's exemption | $39,496 | $162,914 Land $15,000 Building $147,914 |
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 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.
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.
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 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.
5G (outdoors only) and 4G LTE
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