113 Harbor Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 113 Harbor Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,301 sqft · built 1971
Lot Size	0.167 acres (7,279 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Sep 2022)
Tax Bill	$2,347 (2025)
Deeds & Mortgages	Sep 2022 Sale Aug 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-08-528700-001140`

Property Details

APN / Parcel Number

Primary APN	`26-28-08-528700-001140`
Alternative APNs	`082826528700001140` `82826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,301 sqft Living Area
1st Floor Area	1,092 sqft
Flooring	Carpet
Interior Walls	Wood

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1995
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
Porch	Florida Room
Porch Area	309 sqft
Utility Building	77 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	113 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 114
Legal Range	26E
Legal Township	28S
Legal Section	08
Legal Subdivision	CAREFREE COVE
Legal Tract	528700
Legal Block	1
Legal Lot Number	114
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1030
Census Tract	13601

Owner

113 Harbor Dr is owned by an individual who bought it in September 2022.

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	1397 LARAMIE WAY, HAINES CITY, FL 33844-8626
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Warranty Deed, Transfer OS NATIONAL LLC
Aug 8, 2022	Warranty Deed, Transfer OS NATIONAL LLC
Mar 18, 2020	Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS
Mar 18, 2020	Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS
Mar 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOUSING FIN AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2022 · Amount on File
Deed Sale	Sep 20, 2022 · Amount on File
Prior Sale	Aug 8, 2022 · Amount on File
Deed Document Number	2022255267
Deed Book / Page	12426 / 1024
Prior Transfer Date	Dec 4, 2007
Prior Transfer Doc	0000242842
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 20, 2022
Property Address	113 HARBOR DR, WINTER HAVEN, FL 33881-9610
Document Number	0000255267
Book / Page	12426 / 1024
Map Reference	MB 43 PG 19
Instrument Date	Sep 19, 2022
Instrument	2022255267
Transaction Type	Transfer
Record Updated	Oct 3, 2022
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount on Record
Tax	$1,540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, 410, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 HARBOR DR, WINTER HAVEN, FL 33881-9610

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 8, 2022
Property Address	113 HARBOR DR, WINTER HAVEN, FL 33881-9610
Document Number	0000214568
Book / Page	12370 / 991
Map Reference	MB 43 PG 19
Instrument Date	Jul 28, 2022
Instrument	2022214568
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount on Record
Tax	$1,341.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	113 HARBOR DR, 113, WINTER HAVEN, FL 33881-9610

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	113 HARBOR DR, WINTER HAVEN, FL 33881-9610
Document Number	0112880412
Instrument Date	Mar 18, 2020
Transaction Type	Mortgage
Record Updated	Jul 23, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 HARBOR DR WINTER HAVEN FL 338819610, WINTER HAVEN, FL 33881-9610

Mortgage

Document Number	0112880412
Date	Jul 6, 2020
Book Page	011288/000412
Instrument	134141

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 5, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	113 HARBOR DR, WINTER HAVEN, FL 33881-9610
Document Number	0111810100
Instrument Date	Mar 18, 2020
Transaction Type	Mortgage
Record Updated	May 1, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 HARBOR DR WINTER HAVEN FL 338819610, WINTER HAVEN, FL 33881-9610

Mortgage

Document Number	0111810100
Date	Mar 19, 2020
Book Page	011181/000100
Instrument	62853

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 18, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	113 HARBOR DR, WINTER HAVEN, FL 33881-9610
Document Number	0111810113
Instrument Date	Mar 18, 2020
Transaction Type	Mortgage
Record Updated	May 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 HARBOR DR WINTER HAVEN FL 338819610, WINTER HAVEN, FL 33881-9610

Mortgage

Document Number	0111810113
Date	Mar 19, 2020
Book Page	011181/000113
Instrument	62854

Lender

Name	HOUSING FIN AGCY
Address	TALLAHASSEE, FL 32301-1329

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 18, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 113 Harbor Dr was $2,347.

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		$174,557 (-1.43%) Land $18,500 Building $156,057	$174,557 (-1.43%) Land $18,500 Building $156,057
2025	$2,347.00	$177,081 Land $18,500 Building $158,581	$177,081 Land $18,500 Building $158,581
2023	$2,811.00 (+138.02%)	$173,287 (+84.86%) Land $18,000 Building $155,287	$173,287 (+23.94%) Land $18,000 Building $155,287
2022	$1,181.00 Homeowner's exemption	$93,741	$139,811 Land $15,000 Building $124,811

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

FEMA maps place 113 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 113 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

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures