Polk County property record for 103 Rydalmont Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,068 sqft · built 1979 |
| Lot Size | 0.199 acres (8,655 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $155,000 (Aug 2019) |
| Tax Bill | $868 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage May 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-34-660300-000120 |
| Primary APN | 26-28-34-660300-000120 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,068 sqft Living Area |
| 1st Floor Area | 1,068 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 8,655 sqft (0.199 acres) |
| Lot Dimensions | 123 ft deep x 70 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Carport |
| Garage Area | 264 sqft |
| Carport | Carport |
| Carport Area | 264 sqft |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 72 sqft |
| Shed | 1 Shed |
| Utility Building | 96 sqft |
| Street Address | 103 RYDALMONT RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2039 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | DUGGER REPLAT PB 47 PG 4 LOT 12 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 34 |
| Legal Subdivision | DUGGER REPLAT |
| Legal Tract | 660300 |
| Legal Block | 2 |
| Legal Lot Number | 12 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2036 |
| Census Tract | 14005 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 103 RYDALMONT RD, WINTER HAVEN, FL 33884-2039 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 20, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| May 26, 2022 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Jul 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Aug 9, 2019 | Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA CU ISAOA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 9, 2019 · Amount on Record |
| Deed Sale | Aug 9, 2019 · Amount on Record |
| Prior Sale | Sep 19, 2016 · Amount on Record |
| Deed Document Number | 2019168366 |
| Deed Book / Page | 10936 / 1435 |
| Prior Transfer Date | Nov 22, 1994 |
| Prior Transfer Doc | 3465000402 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 20, 2026 |
| Property Address | 103 RYDALMONT RD, WINTER HAVEN, FL 33884-2039 |
| Document Number | 0000092487 |
| Book / Page | 13963 / 1139 |
| Instrument Date | Mar 17, 2026 |
| Instrument | 202692487 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 103 RYDALMONT RD, WINTER HAVEN, FL 33884-2039 |
| Document Number | 0000092487, |
|---|---|
| Date | Apr 20, 2026 |
| Book Page | 13963/1139 |
| Instrument | 202692487 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 314 Months |
| Due | Jun 1, 2052 |
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 103 RYDALMONT RD, WINTER HAVEN, FL 33884-2039 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 103 RYDALMONT RD, WINTER HAVEN, FL 33884-2039 |
| Document Number | 0000144551 |
|---|---|
| Date | May 26, 2022 |
| Book Page | 12270/1478 |
| Instrument | 2022144551 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 103 RYDALMONT RD, WINTER HAVEN, FL 33884-2039 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 103 RYDALMONT RD, WINTER HAVEN, FL 33884-2039 |
| Document Number | 0000188989 |
|---|---|
| Date | Jul 21, 2021 |
| Book Page | 11812/534 |
| Instrument | 2021188989 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 9, 2019 |
| Property Address | 103 RYDALMONT RD, WINTER HAVEN, FL 33884-2039 |
| Document Number | 0109361435 |
| Book / Page | 010936 / 001435 |
| Instrument Date | Aug 7, 2019 |
| Instrument | 168366 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2019 |
| Title Company | PARAMOUNT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,085.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 103 RYDALMONT RD WINTER HAVEN FL 338842039, WINTER HAVEN, FL 33884-2039 |
| Document Number | 109361437 |
|---|---|
| Date | Aug 9, 2019 |
| Book Page | 010936/001437 |
| Instrument | 168367 |
| Name | MIDFLORIDA CU ISAOA |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802-8008 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 8, 2049 |
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 | $108,817 (+2.7%) | $146,427 (+0.91%) Land $34,621 Building $111,806 | |
| 2025 | $868.00 (-42.63%) Homeowner's exemption | $105,956 (+5.99%) | $145,102 (-5.97%) Land $32,890 Building $112,212 |
| 2024 | $1,513.00 (+12.16%) | ||
| 2023 | $1,349.00 (+6.81%) Homeowner's exemption | $99,971 (+3%) | $154,309 (+8.13%) Land $32,025 Building $122,284 |
| 2022 | $1,263.00 Homeowner's exemption | $97,059 | $142,712 Land $26,832 Building $115,880 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 33 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 33 in force |
| Nearby Flood Claims | 13 (1978–2026) |
| Claims Outside the SFHA | 6 of 13 |
| Most Recent Claim | Jun 2026 · rainfall accumulation |
| 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 98% of the US · lower than 97.6% 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.
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 231 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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