105 Harbor Dr, Winter Haven, FL 33881 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,104 sqft · built 1972
Lot Size	0.167 acres (7,279 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Apr 2024)
Tax Bill	$2,455 (2025)
Deeds & Mortgages	May 2024 Mortgage Apr 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-08-528900-001100`

Property Details

APN / Parcel Number

Primary APN	`26-28-08-528900-001100`
Alternative APNs	`082826528900001100` `82826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,104 sqft Living Area
1st Floor Area	1,104 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2005
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	7,279 sqft (0.167 acres)
Lot Dimensions	104 ft deep x 70 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	300 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	355 sqft

Location & Zoning

Street Address	105 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 110
Legal Range	26E
Legal Township	28S
Legal Section	08
Legal Subdivision	CAREFREE COVE UNIT 3
Legal Tract	528900
Legal Block	1
Legal Lot Number	110
Legal Unit	3
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1030
Census Tract	13601

Owner

105 Harbor Dr is owned and occupied by two individuals who bought it in April 2024.

Source: Polk County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	105 HARBOR DR, WINTER HAVEN, FL 33881-9610
Occupancy	Owner Occupied
Owner Type	Individual

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
May 3, 2024	Deed of Trust, Mortgage · Conventional Mortgage TROPICAL FINANCIAL CU
Apr 11, 2024	Warranty Deed, Transfer · Conventional Mortgage TROPICAL FINANCIAL CU
Oct 11, 2023	Warranty Deed, Construction Loan · Construction Mortgage KIAVI FUNDING INC
May 12, 2023	Agreement of Sale, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2024 · Amount on File
Deed Sale	Apr 11, 2024 · Amount on File
Prior Sale	Oct 11, 2023 · Amount on File
Deed Document Number	202483355
Deed Book / Page	13074 / 1070
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	105 HARBOR DR, WINTER HAVEN, FL 33881-9610
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3611 SW 38TH ST, WEST PARK, FL 33023-6358

Mortgage

Document Number	0000103572
Date	May 3, 2024
Book Page	13103/1968
Instrument	2024103572

Lender

Name	TROPICAL FINANCIAL CU
Type	Credit Union
Address	HOLLYWOOD, FL 33025

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2054

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 11, 2024
Property Address	105 HARBOR DR, WINTER HAVEN, FL 33881-9610
Document Number	0000083355
Book / Page	13074 / 1070
Map Reference	MB 46 PG 8
Instrument Date	Apr 5, 2024
Instrument	2024083355
Transaction Type	Transfer
Record Updated	Apr 29, 2024
Title Company	APEX TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1717 PLANTATION POINTE DR, ORLANDO, FL 32824-4839

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 HARBOR DR, WINTER HAVEN, FL 33881-9610

Mortgage

Document Number	0130741072
Date	Apr 11, 2024
Instrument	13074/1072

Lender

Name	TROPICAL FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 3, 2054

October 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 11, 2023
Property Address	105 HARBOR DR, WINTER HAVEN, FL 33881-9610
Document Number	0000240430
Book / Page	12869 / 2165
Map Reference	MB 46 PG 8
Instrument Date	Aug 30, 2023
Instrument	2023240430
Transaction Type	Construction Loan
Record Updated	Oct 24, 2023
Title Company	TITLE WERKS LLC, TITLE GEEKS LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	105 HARBOR DR, WINTER HAVEN, FL 33881-9610

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1717 PLANTATION POINTE DR, ORLANDO, FL 32824-4839

Mortgage

Document Number	0128692168
Date	Oct 11, 2023
Instrument	12869/2168

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record

May 2023: Agreement of Sale, Transfer

Document Type	Agreement of Sale
Jurisdiction	POLK FL
Recording Date	May 12, 2023
Property Address	105 HARBOR DR, WINTER HAVEN, FL 33881-9610
Document Number	0000112060
Book / Page	12690 / 435
Map Reference	MB 46 PG 8
Instrument Date	May 6, 2023
Instrument	2023112060
Transaction Type	Transfer
Record Updated	May 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7802 RELID CIR, OCOEE, FL 34761

Tax Assessment & Valuation

The 2025 property tax bill for 105 Harbor Dr was $2,455.

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		$178,819 (-3.47%) Land $18,500 Building $160,319	$178,819 (-3.47%) Land $18,500 Building $160,319
2025	$2,455.00	$185,242 Land $18,500 Building $166,742	$185,242 Land $18,500 Building $166,742
2023	$1,923.00 (+12.65%)	$171,267 (+20.87%) Land $18,000 Building $153,267	$171,267 (+20.87%) Land $18,000 Building $153,267
2022	$1,707.00	$141,701 Land $15,000 Building $126,701	$141,701 Land $15,000 Building $126,701

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

Flood

FEMA maps place 105 Harbor Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

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 File 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

Wildfire risk around 105 Harbor Dr is low, with a 0.03% annual chance of 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

Nearby Properties on Harbor Dr

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