105 Beach Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 105 Beach Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,025 sqft · built 1960
Lot Size	0.167 acres (7,279 sqft)
Owner	Individual Name on Record
Last Sale	$122,000 (Mar 2020)
Tax Bill	$2,003 (2025)
Deeds & Mortgages	May 2021 Mortgage Mar 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-08-528700-000580`

Property Details

APN / Parcel Number

Primary APN	`26-28-08-528700-000580`
Alternative APNs	`082826528700000580` `82826000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,025 sqft Living Area
1st Floor Area	1,025 sqft
Flooring	Terrazzo
Interior Walls	Wood

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2014
Exterior Material	Other
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
Garage Type	Carport
Garage Area	264 sqft
Carport	Carport
Carport Area	264 sqft
Porch	Unfinished Open Porch
Porch Area	32 sqft
Utility Building	84 sqft

Location & Zoning

Street Address	105 BEACH DR
City	WINTER HAVEN
State	FL
Zip	33881-9621
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CAREFREE COVE PB 43 PG 19 LOT 58
Legal Range	26E
Legal Township	28S
Legal Section	08
Legal Subdivision	CAREFREE COVE
Legal Tract	528700
Legal Block	1
Legal Lot Number	58
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1032
Census Tract	13601

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	533 SADDLE BAG LN, LAKELAND, FL 33801-7713
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2021	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Mar 2, 2020	Warranty Deed, Transfer · FHA Mortgage TOWN SQUARE MTG
Oct 3, 2019	Warranty Deed, Transfer NETWORK CLOSING SERVICES INC, NETWORK CLOSING SVCS INC
May 13, 2019	Warranty Deed, Transfer NETWORK CLOSING SERVICES INC, NETWORK CLOSING SVCS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2020 · Amount on Record
Deed Sale	Mar 2, 2020 · Amount on Record
Prior Sale	Oct 3, 2019 · Amount on Record
Deed Document Number	202047612
Deed Book / Page	11159 / 735
Prior Transfer Date	Feb 13, 2006
Prior Transfer Doc	0000043714
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	105 BEACH DR, WINTER HAVEN, FL 33881-9621
Transaction Type	Mortgage
Record Updated	May 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 BEACH DR, WINTER HAVEN, FL 33881-9621

Mortgage

Document Number	0000122142
Date	May 11, 2021
Book Page	11710/614
Instrument	2021122142

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89052

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 2, 2020
Property Address	105 BEACH DR, WINTER HAVEN, FL 33881-9621
Document Number	0111590735
Book / Page	011159 / 000735
Instrument Date	Feb 28, 2020
Instrument	47612
Transaction Type	Transfer
Record Updated	Mar 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$854.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4334 PEGGY WAY BARTOW FL 338308817, BARTOW, FL 33830-8817

Mortgage

Document Number	111590737
Date	Mar 2, 2020
Book Page	011159/000737
Instrument	47613

Lender

Name	TOWN SQUARE MTG
Type	Mortgage Company
Address	DALLAS, TX 75246

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 3, 2019
Property Address	105 BEACH DR, WINTER HAVEN, FL 33881-9621
Document Number	0109941559
Book / Page	010994 / 001559
Instrument Date	Sep 20, 2019
Instrument	209861
Transaction Type	Transfer
Record Updated	Oct 22, 2019
Title Company	NETWORK CLOSING SERVICES INC, NETWORK CLOSING SVCS INC

Transaction

Amount	Amount Recorded
Tax	$304.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14717 133RD AVE JAMAICA NY 114362304, JAMAICA, NY 11436-2304

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 13, 2019
Property Address	105 BEACH DR, WINTER HAVEN, FL 33881-9621
Document Number	0108381117
Book / Page	010838 / 001117
Instrument Date	May 3, 2019
Instrument	96902
Transaction Type	Transfer
Record Updated	May 23, 2019
Title Company	NETWORK CLOSING SERVICES INC, NETWORK CLOSING SVCS INC

Transaction

Amount	Amount Recorded
Tax	$273.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2682 AULD SCOT BLVD OCOEE FL 347618922, OCOEE, FL 34761-8922
Investor	Possibly a Property Investor

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		$151,177 (+1%)	$155,688 (-9.38%) Land $18,500 Building $137,188
2025	$2,003.00 (-4.89%)	$137,434 (-19.3%)	$171,798 (+0.88%) Land $18,500 Building $153,298
2023	$2,106.00 (+10.84%)	$170,300 (+17.25%) Land $18,000 Building $152,300	$170,300 (+17.25%) Land $18,000 Building $152,300
2022	$1,900.00	$145,248 Land $15,000 Building $130,248	$145,248 Land $15,000 Building $130,248

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

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 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.

Wildfire

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.

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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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