Polk County property record for 107 Osprey Heights Dr, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,470 sqft · built 2003 |
| Lot Size | 0.28 acres (12,214 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $165,000 (Jul 2018) |
| Tax Bill | $1,507 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Oct 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-29-02-356721-000010 |
| Primary APN | 25-29-02-356721-000010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,470 sqft Living Area |
| Gross Area | 1,850 sqft |
| 1st Floor Area | 1,470 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 12,214 sqft (0.28 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 71 sqft |
| Patio Area | 60 sqft |
| Street Address | 107 OSPREY HEIGHTS DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-4986 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OSPREY LANDINGS PHASE I PB 107 PG 13 LOT 1 |
| Legal Range | 25E |
| Legal Township | 29S |
| Legal Section | 02 |
| Legal Subdivision | OSPREY LANDINGS PHASE 1 |
| Legal Phase | I |
| Legal Tract | 356721 |
| Legal Block | 3 |
| Legal Lot Number | 1 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 14701 |
107 Osprey Heights Dr is owned and occupied by two individuals who bought it in July 2018.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 107 OSPREY HEIGHTS DR, WINTER HAVEN, FL 33880-4986 |
| 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.
| Date | Document |
|---|---|
| May 31, 2023 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Oct 16, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Nov 15, 2019 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Jul 18, 2018 | Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 18, 2018 · Amount on File |
| Deed Sale | Jul 18, 2018 · Amount on File |
| Prior Sale | Mar 16, 2005 · Amount on File |
| Deed Document Number | 2018153478 |
| Deed Book / Page | 10553 / 995 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 107 OSPREY HEIGHTS DR, WINTER HAVEN, FL 33880-4986 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000126287 |
|---|---|
| Date | May 31, 2023 |
| Book Page | 12709/2132 |
| Instrument | 2023126287 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 258 Months |
| Due | Nov 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 107 OSPREY HEIGHTS DR, WINTER HAVEN, FL 33880-4986 |
| Document Number | 0114260855 |
| Instrument Date | Oct 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 107 OSPREY HEIGHTS DR WINTER HAVEN FL 338804986, WINTER HAVEN, FL 33880-4986 |
| Document Number | 0114260855 |
|---|---|
| Date | Oct 23, 2020 |
| Book Page | 011426/000855 |
| Instrument | 225289 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Oct 22, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 107 OSPREY HEIGHTS DR, WINTER HAVEN, FL 33880-4986 |
| Document Number | 0110491911 |
| Instrument Date | Nov 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 107 OSPREY HEIGHTS DR WINTER HAVEN FL 338804986, WINTER HAVEN, FL 33880-4986 |
| Document Number | 0110491911 |
|---|---|
| Date | Nov 21, 2019 |
| Book Page | 011049/001911 |
| Instrument | 248016 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 20, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 18, 2018 |
| Property Address | 107 OSPREY HEIGHTS DR, WINTER HAVEN, FL 33880-4986 |
| Document Number | 0105530995 |
| Book / Page | 010553 / 000995 |
| Instrument Date | Jul 12, 2018 |
| Instrument | 153478 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2018 |
| Title Company | SUNBELT TITLE (AGENCY) |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,155.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 107 OSPREY HEIGHTS DR WINTER HAVEN FL 338804986, WINTER HAVEN, FL 33880-4986 |
| Document Number | 105530996 |
|---|---|
| Date | Jul 18, 2018 |
| Book Page | 010553/000996 |
| Instrument | 153479 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 17, 2048 |
The 2025 property tax bill for 107 Osprey Heights Dr was $1,507 with a homeowner's exemption.
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 | $160,989 (+2.7%) | $229,874 (+2.47%) Land $36,000 Building $193,874 | |
| 2025 | $1,507.00 Homeowner's exemption | $156,757 | $224,328 Land $36,000 Building $188,328 |
| 2023 | $2,049.00 (+5.67%) Homeowner's exemption | $147,902 (+3%) | $232,648 (+14.69%) Land $35,000 Building $197,648 |
| 2022 | $1,939.00 Homeowner's exemption | $143,594 | $202,851 Land $29,000 Building $173,851 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 107 Osprey Heights Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File median of 39 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 2 (2022) |
| Most Recent Claim | Oct 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 risk around 107 Osprey Heights 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 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 | CENTRAL serves 13,595 people · EPA ID FL6534609 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2023 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 10 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 380 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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