108 Harrison Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 108 Harrison Rd, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,756 sqft · built 1973
Lot Size	0.275 acres (11,996 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Apr 2022)
Tax Bill	$3,270 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Jul 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-35-662640-001501`

Property Details

APN / Parcel Number

Primary APN	`26-28-35-662640-001501`
Alternative APNs	`352826662640001501` `52826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,756 sqft Living Area
Gross Area	2,306 sqft
1st Floor Area	1,756 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2005
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	11,996 sqft (0.275 acres)
Lot Dimensions	150 ft deep x 80 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	550 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	450 sqft
Porch	Finished/Open Porch
Porch Area	40 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	108 HARRISON RD
City	WINTER HAVEN
State	FL
Zip	33884-2204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ELOISE WOODS EAST LAKE FLORENCE UNIT PB 17 PG 47 IN S35 T28 R26 LOTS 150 S 50 FT & N 30 FT OF 151 BEING LOT 39 OF UNREC GARDEN GROVE WEST
Legal Range	26E
Legal Township	28S
Legal Section	35
Legal Subdivision	ELOISE WOODS EAST LAKE FLORENCE UNIT
Legal Tract	662640
Legal Block	1
Legal Lot Number	150
Legal Unit	PB
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1036
Census Tract	14001

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	2 Individual Names on Record
Mailing Address	108 HARRISON RD, WINTER HAVEN, FL 33884-2204
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2022	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
Jul 11, 2022	Correction Deed FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Jan 25, 2022	Warranty Deed, Transfer FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC
Nov 30, 2017	Deed of Trust, Mortgage · VA Mortgage CBC NAT'L BK
Mar 22, 2017	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2022 · Amount on Record
Deed Sale	Apr 13, 2022 · Amount on Record
Prior Sale	Jan 25, 2022 · Amount on Record
Deed Document Number	2022101668
Deed Book / Page	12208 / 1953
Prior Transfer Date	Apr 12, 2022
Prior Transfer Doc	0000188489
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 13, 2022
Property Address	108 HARRISON RD, WINTER HAVEN, FL 33884-2204
Document Number	0000101668
Book / Page	12208 / 1953
Instrument Date	Apr 12, 2022
Instrument	2022101668
Transaction Type	Transfer
Record Updated	Feb 10, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	108 HARRISON RD, CYPRESS GARDENS, FL 33884-2204

Mortgage

Document Number	0122081955
Date	Apr 13, 2022
Instrument	12208/1955

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

July 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	POLK FL
Recording Date	Jul 11, 2022
Property Address	108 HARRISON RD, WINTER HAVEN, FL 33884-2204
Document Number	0000188489
Book / Page	12333 / 690
Map Reference	MB 17 PG 47
Instrument Date	Apr 12, 2022
Instrument	2022188489
Record Updated	Feb 10, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	108 HARRISON RD, CYPRESS GARDENS, FL 33884-2204

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 25, 2022
Property Address	108 HARRISON RD, WINTER HAVEN, FL 33884-2204
Document Number	0000020679
Book / Page	12086 / 1858
Map Reference	MB 17 PG 47
Instrument Date	Jan 4, 2022
Instrument	2022020679
Transaction Type	Transfer
Record Updated	Feb 10, 2023
Title Company	FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount Recorded
Tax	$1,946.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	129 SUNNYRIDGE DR, DAVENPORT, FL 33897-3432

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 EAST GERMARIN ROAD #1 # 1, 1, CHANDLER, AZ 85286
Investor	Possibly a Property Investor

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	108 HARRISON RD, WINTER HAVEN, FL 33884-2204
Document Number	0103340202
Instrument Date	Nov 30, 2017
Transaction Type	Mortgage
Record Updated	Mar 2, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	108 HARRISON RD WINTER HAVEN FL 338842204, WINTER HAVEN, FL 33884-2204

Mortgage

Document Number	0103340202
Date	Dec 7, 2017
Book Page	010334/000202
Instrument	234850

Lender

Name	CBC NAT'L BK
Type	Bank
Address	ALPHARETTA, GA 30022

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 6, 2047

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	108 HARRISON RD, WINTER HAVEN, FL 33884-2204
Document Number	0101050307
Book / Page	010105 / 000307
Instrument Date	Mar 22, 2017
Transaction Type	Mortgage
Record Updated	Jun 20, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 HARRISON RD WINTER HAVEN FL 338842204, WINTER HAVEN, FL 33884-2204

Mortgage

Document Number	0101050307
Date	Mar 30, 2017
Book Page	010105/000307
Instrument	60676

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2047

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		$253,908 (+2.91%) Land $40,198 Building $213,710	$253,908 (+2.91%) Land $40,198 Building $213,710
2025	$3,270.00 (-18.11%)	$246,729 (-5.03%) Land $40,198 Building $206,531	$246,729 (-5.03%) Land $40,198 Building $206,531
2023	$3,993.00 (+142.44%)	$259,786 (+94.96%) Land $39,198 Building $220,588	$259,786 (+9.35%) Land $39,198 Building $220,588
2022	$1,647.00	$133,254	$237,570 Land $32,998 Building $204,572

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 43 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	134 units insured incl. 91 condo units
Nearby Flood Claims	22 (1979–2022)
Claims Outside the SFHA	4 of 22
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 11 claims

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 98% of the US · lower than 97.6% 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.

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 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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