Polk County property record for 109 Harbor Dr, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,080 sqft · built 1971 |
| Lot Size | 0.167 acres (7,279 sqft) |
| Owner | Individual Name on File |
| Last Sale | $23,900 (Jun 2014) |
| Tax Bill | $1,544 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-08-528700-001120 |
| Primary APN | 26-28-08-528700-001120 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,080 sqft Living Area |
| 1st Floor Area | 1,080 sqft |
| Flooring | Terrazzo |
| Interior Walls | Wood |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| 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 |
| Garage Type | Carport |
| Garage Area | 220 sqft |
| Carport | Carport |
| Carport Area | 220 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 60 sqft |
| Utility Building | 70 sqft |
| Street Address | 109 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 PB 43 PG 19 LOT 112 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 08 |
| Legal Subdivision | CAREFREE COVE |
| Legal Tract | 528700 |
| Legal Block | 1 |
| Legal Lot Number | 112 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 13601 |
109 Harbor Dr is owned by an individual who bought it in June 2014.
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 73 DELISLE AVE, ROOSEVELT, NY 11575-2442 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 30, 2014 · Amount on File |
| Deed Sale | Jun 30, 2014 · Amount on File |
| Prior Sale | Dec 18, 2013 · Amount on File |
| Deed Document Number | 2014112195 |
| Deed Book / Page | 9281 / 1694 |
| Prior Transfer Date | Dec 17, 2013 |
| Prior Transfer Doc | 0000230821 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 109 Harbor Dr was $1,544.
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 | $99,055 (+1%) | $152,248 (-2.63%) Land $18,500 Building $133,748 | |
| 2025 | $1,544.00 | $90,050 | $156,362 Land $18,500 Building $137,862 |
| 2023 | $1,906.00 (+11.14%) | $153,585 (+18.07%) Land $18,000 Building $135,585 | $153,585 (+18.07%) Land $18,000 Building $135,585 |
| 2022 | $1,715.00 | $130,084 Land $15,000 Building $115,084 | $130,084 Land $15,000 Building $115,084 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 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 risk around 109 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.
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 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.
5G (outdoors only) and 4G LTE
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