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111 Harbor Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 111 Harbor Dr, Winter Haven, FL 33881

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,054 sqft · built 1971
Lot Size0.167 acres (7,279 sqft)
Owner2 Individual Names on Record
Last Sale$50,000 (Sep 1994)
Tax Bill$57 (2025)
Deeds & MortgagesNov 2025 Transfer
Dec 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-08-528700-001130

Property Details

APN / Parcel Number

Primary APN26-28-08-528700-001130
Alternative APNs
  • 082826528700001130
  • 82826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,054 sqft Living Area
1st Floor Area1,054 sqft
FlooringTerrazzo
Interior WallsWood

Exterior

Year BuiltBuilt 1971
Effective Year BuiltEffective 1971
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area7,279 sqft (0.167 acres)
Lot Dimensions104 ft deep x 70 ft wide
View / LotCommercial/Industrial
Garage TypeCarport
Garage Area176 sqft
CarportCarport
Carport Area176 sqft
PorchUnfinished Open Porch
Porch Area120 sqft
Utility Building70 sqft

Location & Zoning

Street Address111 HARBOR DR
CityWINTER HAVEN
StateFL
Zip33881-9610
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionCAREFREE COVE PB 43 PG 19 LOT 113
Legal Range26E
Legal Township28S
Legal Section08
Legal SubdivisionCAREFREE COVE
Legal Tract528700
Legal Block1
Legal Lot Number113
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group1
Census Block1030
Census Tract13601

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 Record2 Individual Names on Record
Mailing Address111 HARBOR DR, WINTER HAVEN, FL 33881-9610
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Nov 17, 2025Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Dec 7, 2020Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 13, 1994 · Amount on Record
Deed SaleSep 13, 1994 · Amount on Record
Prior SaleJul 20, 1994 · Amount on Record
Deed Book / Page3437 / 1444
Last Transfer DateNov 17, 2025
Transfer Doc0000270831
Record UpdatedOct 29, 2026

November 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPOLK FL
Recording DateNov 17, 2025
Property Address111 HARBOR DR, WINTER HAVEN, FL 33881-9610
Document Number0000270831
Book / Page13779 / 1304
Map ReferenceMB 43 PG 19
Instrument DateNov 7, 2025
Instrument2025270831
Transaction TypeTransfer
Record UpdatedDec 3, 2025
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address111 HARBOR DR, WINTER HAVEN, FL 33881-9610

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address111 HARBOR DR, WINTER HAVEN, FL 33881-9610

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address111 HARBOR DR, WINTER HAVEN, FL 33881-9610
Document Number0115222092
Instrument DateDec 7, 2020
Transaction TypeMortgage
Record UpdatedJan 20, 2021
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address111 HARBOR DR WINTER HAVEN FL 338819610, WINTER HAVEN, FL 33881-9610

Mortgage

Document Number0115222092
DateJan 4, 2021
Book Page011522/002092
Instrument678
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term36 Months
DueJan 3, 2024

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$30,158 (+2.7%)$149,956 (-2.61%) Land $18,500 Building $131,456
2025$57.00 (-91.43%) Homeowner's exemption$29,365 (+2.9%)$153,981 (+1.71%) Land $18,500 Building $135,481
2024$665.00 (+30.39%) Homeowner's exemption$28,537 (+3%)$151,397 (+0.12%) Land $18,500 Building $132,897
2023$510.00 (+8.51%) Homeowner's exemption$27,706 (+3%)$151,209 (+18.25%) Land $18,000 Building $133,209
2022$470.00 Homeowner's exemption$26,899$127,875 Land $15,000 Building $112,875

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 10 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies10 in force
Nearby Flood Claims1 (2022)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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

ProviderMax 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

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