105 3rd St, Winter Haven, FL 33881 Property Records

Polk County property record for 105 3rd St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,330 sqft · built 2025
Lot Size	0.118 acres (5,123 sqft)
Owner	Individual Name on Record
Last Sale	$239,000 (May 2025)
Tax Bill	$291 (2025)
Deeds & Mortgages	Jan 2025 Construction Loan May 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-05-669000-001051`

Property Details

APN / Parcel Number

Primary APN	`26-29-05-669000-001051`
Alternative APNs	`052926669000001051` `52926000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,330 sqft Living Area
1st Floor Area	1,330 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,123 sqft (0.118 acres)
View / Lot	Commercial/Industrial
Porch	Unfinished Open Porch

Location & Zoning

Street Address	105 3RD ST
City	WINTER HAVEN
State	FL
Zip	33880
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	EXTENSION OF SOUTH WINTER HAVEN PB 10 PG 17 BLK A LOTS 5 LESS BEG MOST NLY COR RUN SELY TO SELY COR SWLY 8.3 FT NWLY TO PT ON NLY BNDRY 7.13 FT SWLY OF POB NELY 7.13 FT TO POB & LOT 6 BEG MOST NLY COR RUN SWLY 8.33 FT ALONG NLY BNDRY SELY 100 FT M/L
Legal Range	26E
Legal Township	29S
Legal Section	05
Legal Subdivision	SOUTH WINTER HAVEN EXTENSION OF
Legal Tract	669000
Legal Block	A
Legal Lot Number	5
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1009
Census Tract	14600

Owner

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	105 3RD ST, WINTER HAVEN, FL 33880
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2025	Deed of Trust, Mortgage · Construction Mortgage ELS HOLDINGS LLC
May 16, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 19, 2024	Public Action, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2025 · Amount on Record
Deed Sale	May 16, 2025 · Amount on Record
Prior Sale	Apr 19, 2024 · Amount on Record
Deed Document Number	2025116404
Deed Book / Page	13551 / 1935
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	105 3RD ST, WINTER HAVEN, FL 33881
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7204 NW 84TH AVE, MEDLEY, FL 33195-6295

Mortgage

Document Number	0000007122
Date	Jan 9, 2025
Book Page	13397/755
Instrument	2025007122

Lender

Name	ELS HOLDINGS LLC
Type	Mortgage Company
Address	MIAMI, FL 33181

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	17 Months
Due	Jun 1, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 16, 2025
Property Address	105 3RD ST, WINTER HAVEN, FL 33881
Document Number	0000116404
Book / Page	13551 / 1935
Map Reference	MB 10 PG 17
Instrument Date	May 14, 2025
Instrument	2025116404
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	UNITED TITLE GROUP/LAKELAND LLC, UNITED TTL GROUP OF LAKELAND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,673.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7204 NW 84TH AVE, MEDLEY, FL 33195-6295

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 3RD ST, WINTER HAVEN, FL 33881

Mortgage

Document Number	0135511937
Date	May 16, 2025
Instrument	13551/1937

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

April 2024: Public Action, Foreclosure

Document Type	Public Action
Jurisdiction	POLK FL
Recording Date	Apr 19, 2024
Property Address	105 3RD ST, WINTER HAVEN, FL 33881
Document Number	0000090177
Book / Page	13084 / 773
Map Reference	MB 10 PG 17
Instrument Date	Apr 19, 2024
Instrument	2024090177
Transaction Type	Foreclosure
Record Updated	Jan 13, 2026

Transaction

Amount	Amount Recorded
Tax	$252.70
Amount Accuracy	Tax Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7204 NW 84TH AVE, MEDLEY, FL 33195-6295

Tax Assessment & Valuation

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		$139,671 (+534.87%) Land $30,000 Building $109,671	$139,671 (+534.87%) Land $30,000 Building $109,671
2025	$291.00 (-88.31%)	$22,000 (+1%) Land $22,000	$22,000 (+1%) Land $22,000
2023	$2,490.00 (+3,672.73%)	$20,000 (+227.87%) Land $20,000	$20,000 (+227.87%) Land $20,000
2022	$66.00	$6,100 Land $6,100	$6,100 Land $6,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	Hurricane Frances, Sep 2004 · 2 claims

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

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.

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 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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