1107 3rd St SW, Winter Haven, FL 33880 Property Records

Polk County property record for 1107 3rd St SW, Winter Haven, FL 33880

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	54,191 sqft · built 1974
Lot Size	2.6 acres (113,361 sqft)
Owner	Company Name on Record
Tax Bill	$51,672 (2025)
Deeds & Mortgages	Nov 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`26-28-32-648030-000021`

Property Details

APN / Parcel Number

Primary APN	`26-28-32-648030-000021`
Alternative APNs	`322826648030000021` `22826000`

Interior

Units	2 Units
Stories	1 Story
Building Area	54,191 sqft Gross Area
1st Floor Area	54,191 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1996
Fire Resistance	Special
Lot Area	113,361 sqft
View / Lot	Commercial
Canopy	7,870 sqft
Total Buildings	4 Buildings

Location & Zoning

Street Address	1107 3RD ST SW
City	WINTER HAVEN
State	FL
Zip	33880-3912
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	XX
Legal Description	REPLAT BLK 31 52 S COLLEGE ADD PB 31 PG 4 TRACTS 1 & 2 DESC AS COMM SW COR TRACT 1 E 323.94 FT N 400 FT TO POB N 20 FT W 137 FT N 414 FT E 274 FT S 434.25 FT W 137 FT TO POB LESS R/W FOR SR 555
Legal Range	26E
Legal Township	28S
Legal Section	32
Legal Subdivision	SOUTH COLLEGE ADDITION REPLAT OF BLKS 31
Legal Tract	1,2
Legal Block	31
Legal Lot Number	1
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1008
Census Tract	13901

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	Company Name on Record
Mailing Address	1601 N 39TH ST, TAMPA, FL 33605-5852
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	1107 3RD ST SW, WINTER HAVEN, FL 33880-3912
Document Number	0107321391
Instrument Date	Nov 21, 2018
Transaction Type	Mortgage
Record Updated	Feb 7, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1601 N 39TH ST TAMPA FL 336055852, TAMPA, FL 33605-5852

Mortgage

Document Number	0107321391
Date	Jan 25, 2019
Book Page	010732/001391
Instrument	15980

Lender

Name	GG II INVS LC
Address	TAMPA, FL 33647

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jan 24, 2020

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,653,834 (-2.3%) Land $340,074 Building $2,313,760	$2,653,834 (-2.3%) Land $340,074 Building $2,313,760
2025	$51,672.00 (-2.02%)	$2,716,286 (-0.82%) Land $340,074 Building $2,376,212	$2,716,286 (-0.82%) Land $340,074 Building $2,376,212
2023	$52,739.00 (+3.11%)	$2,738,766 (+2.76%) Land $255,056 Building $2,483,710	$2,738,766 (+2.76%) Land $255,056 Building $2,483,710
2022	$51,148.00	$2,665,144 Land $255,056 Building $2,410,088	$2,665,144 Land $255,056 Building $2,410,088

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

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 in force

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 99.8% of the US · lower than 99.7% 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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Frontier, T-Mobile, Verizon.

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