108 Harbor Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 108 Harbor Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,282 sqft · built 1971
Lot Size	0.167 acres (7,279 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Aug 2022)
Tax Bill	$1,613 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Jul 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-08-528700-001040`

Property Details

APN / Parcel Number

Primary APN	`26-28-08-528700-001040`
Alternative APNs	`082826528700001040` `82826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,282 sqft Living Area
1st Floor Area	1,090 sqft
Flooring	Terrazzo
Interior Walls	Wood

Exterior

Year Built	Built 1971
Effective Year Built	Effective 2010
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

Exterior Amenities

Pool Area	450 sqft
Porch	Florida Room
Porch Area	300 sqft
Shed	1 Shed
Utility Building	70 sqft

Location & Zoning

Street Address	108 HARBOR DR
City	WINTER HAVEN
State	FL
Zip	33881-9609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CAREFREE COVE PB 43 PG 19 LOT 104
Legal Range	26E
Legal Township	28S
Legal Section	08
Legal Subdivision	CAREFREE COVE
Legal Tract	528700
Legal Block	1
Legal Lot Number	104
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1031
Census Tract	13601

Owner

108 Harbor Dr is owned and occupied by an individual who bought it in August 2022.

Source: Polk County records, as of September 28, 2026

Owner of Record	Individual Name on File
Mailing Address	108 HARBOR DR, WINTER HAVEN, FL 33881-9609
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
Aug 5, 2022	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Jul 7, 2020	Warranty Deed, Transfer · FHA Mortgage THELENDER
May 22, 2019	Warranty Deed, Transfer OAK HARBOR TITLE SERVICES LLC, OAK HARBOR TITLE SVCS LLC
Apr 26, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 12, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2022 · Amount on File
Deed Sale	Aug 5, 2022 · Amount on File
Prior Sale	Jul 7, 2020 · Amount on File
Deed Document Number	2022213863
Deed Book / Page	12369 / 1318
Prior Transfer Date	Apr 20, 2017
Prior Transfer Doc	0000078733
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 5, 2022
Property Address	108 HARBOR DR, WINTER HAVEN, FL 33881-9609
Document Number	0000213863
Book / Page	12369 / 1318
Map Reference	MB 43 PG 19
Instrument Date	Aug 4, 2022
Instrument	2022213863
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3758 MOON DANCER PL, 3758, SAINT CLOUD, FL 34772-8243

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 HARBOR DR, WINTER HAVEN, FL 33881-9609

Mortgage

Document Number	0123691320
Date	Aug 5, 2022
Instrument	12369/1320

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 7, 2020
Property Address	108 HARBOR DR, WINTER HAVEN, FL 33881-9609
Document Number	0112890153
Book / Page	011289 / 000153
Instrument Date	Jun 29, 2020
Instrument	134671
Transaction Type	Transfer
Record Updated	Jul 29, 2020
Title Company	RTR TITLE/CTRL FLORIDA LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,043.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	108 HARBOR DR WINTER HAVEN FL 338819609, WINTER HAVEN, FL 33881-9609

Mortgage

Document Number	112890155
Date	Jul 7, 2020
Book Page	011289/000155
Instrument	134672

Lender

Name	THELENDER
Address	ST PETERS, MO 63376

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 6, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 22, 2019
Property Address	108 HARBOR DR, WINTER HAVEN, FL 33881-9609
Document Number	0108490253
Book / Page	010849 / 000253
Instrument Date	May 20, 2019
Instrument	104850
Transaction Type	Transfer
Record Updated	Jun 5, 2019
Title Company	OAK HARBOR TITLE SERVICES LLC, OAK HARBOR TITLE SVCS LLC

Transaction

Amount	Amount on Record
Tax	$525.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	205 S GLEN AVE LAKE ALFRED FL 338502911, LAKE ALFRED, FL 33850-2911

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Apr 26, 2017
Property Address	108 HARBOR DR, WINTER HAVEN, FL 33881-9609
Document Number	0101281628
Book / Page	010128 / 001628
Instrument	78733
Transaction Type	Transfer
Record Updated	Mar 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 HARBOR DR WINTER HAVEN FL 338819609, WINTER HAVEN, FL 33881-9609

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Jan 12, 2017
Property Address	108 HARBOR DR, WINTER HAVEN, FL 33881-9609
Document Number	0100370122
Book / Page	010037 / 000122
Instrument Date	Jan 12, 2017
Instrument	7015
Transaction Type	Transfer
Record Updated	Jan 30, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 HARBOR DR WINTER HAVEN FL 338819609, WINTER HAVEN, FL 33881-9609

Tax Assessment & Valuation

The 2025 property tax bill for 108 Harbor Dr was $1,613 with exemptions applied, down 27.1% from the year before.

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		$194,523 (+2.19%) Land $18,500 Building $176,023	$194,523 (+2.19%) Land $18,500 Building $176,023
2025	$1,613.00 (-27.08%)	$190,353 Land $18,500 Building $171,853	$190,353 Land $18,500 Building $171,853
2024	$2,212.00 (+5.74%)
2023	$2,092.00 (-9.83%) Homeowner's exemption	$186,666 (+20.81%) Land $18,000 Building $168,666	$186,666 (+20.81%) Land $18,000 Building $168,666
2022	$2,320.00	$154,508 Land $15,000 Building $139,508	$154,508 Land $15,000 Building $139,508

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

Flood

FEMA maps place 108 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 108 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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