Polk County property record for 106 Duval Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,166 sqft · built 1974 |
| Lot Size | 0.299 acres (13,016 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $275,000 (Dec 2023) |
| Tax Bill | $2,169 (2025) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Mar 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-34-659500-005011 |
| Primary APN | 26-28-34-659500-005011 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,166 sqft Living Area |
| Gross Area | 1,733 sqft |
| 1st Floor Area | 1,166 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 13,016 sqft (0.299 acres) |
| Lot Dimensions | 202 ft deep x 66 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 567 sqft |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 238 sqft |
| Cooling System | Central |
|---|
| Street Address | 106 DUVAL RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-1512 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | ELOISE WOODS E LK MARIAM UNIT PB 19 PG 32 LOTS 501 THE SLY 14.61 FT & 502 BEING LOT 110 OF UNREC VALENCIA WOOD |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 34 |
| Legal Subdivision | ELOISE WOODS EAST LAKE MARIAM UNIT |
| Legal Tract | 659500 |
| Legal Block | 2 |
| Legal Lot Number | 110,5 |
| Legal Unit | PB |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 13902 |
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 | 106 DUVAL RD, WINTER HAVEN, FL 33884-1512 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 28, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 3, 2023 | Deed of Trust, Mortgage · Line of Credit SUNCOAST CU |
| Aug 18, 2020 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE FIRM |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 28, 2023 · Amount on Record |
| Deed Sale | Dec 28, 2023 · Amount on Record |
| Prior Sale | Aug 18, 2020 · Amount on Record |
| Deed Document Number | 2023300771 |
| Deed Book / Page | 12953 / 1108 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 28, 2023 |
| Property Address | 106 DUVAL RD, WINTER HAVEN, FL 33884-1512 |
| Document Number | 0000300771 |
| Book / Page | 12953 / 1108 |
| Map Reference | MB 19 PG 32&32A |
| Instrument Date | Dec 20, 2023 |
| Instrument | 2023300771 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2024 |
| Title Company | FIDELITY NATL TTL OF FL INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,925.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 923 S HANKIN RD, BARTOW, FL 33830-8854 |
| Name | Verified Name |
|---|---|
| Address | 106 DUVAL RD, WINTER HAVEN, FL 33884-1512 |
| Document Number | 0129531110 |
|---|---|
| Date | Dec 28, 2023 |
| Instrument | 12953/1110 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Number | 0000300773 |
|---|---|
| Date | Dec 28, 2023 |
| Book Page | 12953/1131 |
| Instrument | 2023300773 |
| Name | FLORIDA HOUSING FINANCE CORP |
|---|---|
| Type | Government Agency |
| Address | TALLAHASSEE, FL 32301 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 106 DUVAL RD, WINTER HAVEN, FL 33884-1512 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 106 DUVAL RD, WINTER HAVEN, FL 33884-1512 |
| Document Number | 0000049713 |
|---|---|
| Date | Mar 3, 2023 |
| Book Page | 12601/62 |
| Instrument | 2023049713 |
| Name | SUNCOAST CU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33680 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 96 Months |
| Due | Mar 2, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 18, 2020 |
| Property Address | 106 DUVAL RD, WINTER HAVEN, FL 33884-1512 |
| Document Number | 0113380751 |
| Book / Page | 011338 / 000751 |
| Instrument Date | Jul 31, 2020 |
| Instrument | 167467 |
| Transaction Type | Transfer |
| Record Updated | Sep 3, 2020 |
| Title Company | CELEBRATION TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,204.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 106 DUVAL RD WINTER HAVEN FL 338841512, WINTER HAVEN, FL 33884-1512 |
| Document Number | 113380756 |
|---|---|
| Date | Aug 18, 2020 |
| Book Page | 011338/000756 |
| Instrument | 167469 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 17, 2050 |
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 | $205,904 (+0.87%) Land $43,748 Building $162,156 | $205,904 (+0.87%) Land $43,748 Building $162,156 | |
| 2025 | $2,169.00 (+10.1%) Homeowner's exemption | $204,122 (+35.28%) Land $43,748 Building $160,374 | $204,122 (-2.78%) Land $43,748 Building $160,374 |
| 2023 | $1,970.00 (+3.52%) Homeowner's exemption | $150,891 (+3%) | $209,951 (+13.05%) Land $42,596 Building $167,355 |
| 2022 | $1,903.00 Homeowner's exemption | $146,496 | $185,715 Land $35,659 Building $150,056 |
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 25 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 25 in force |
| Nearby Flood Claims | 2 (2004) |
| Most Recent Claim | Sep 2004 · Hurricane Frances |
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 99.1% of the US · lower than 98.7% 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 308 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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