114 Harbor Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 114 Harbor Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,480 sqft · built 2026
Lot Size	0.167 acres (7,279 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,072 (2025)
Deeds & Mortgages	Feb 2018 Transfer Dec 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`26-28-08-528700-001010`

Property Details

APN / Parcel Number

Primary APN	`26-28-08-528700-001010`
Alternative APNs	`082826528700001010` `82826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,480 sqft Living Area
1st Floor Area	1,480 sqft
Flooring	Terrazzo
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2026
Effective Year Built	Effective 2026
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Hip
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	2,010 sqft
Carport	Carport
Carport Area	2,010 sqft
Porch	Unfinished Open Porch
Porch Area	300 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	114 HARBOR DR
City	WINTER HAVEN
State	FL
Zip	33881-9609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CAREFREE COVE PB 43 PG 19 LOT 101
Legal Range	26E
Legal Township	28S
Legal Section	08
Legal Subdivision	CAREFREE COVE
Legal Tract	528700
Legal Block	1
Legal Lot Number	101
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1031
Census Tract	13601

Owner

114 Harbor Dr is owned and occupied by two individuals who acquired it in February 2018.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	114 HARBOR DR, WINTER HAVEN, FL 33881-9609
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2018	Quit Claim Deed, Transfer Quitclaim
Dec 29, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 26, 2018
Transfer Doc	0000045008
Record Updated	Oct 29, 2026

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Feb 28, 2018
Property Address	114 HARBOR DR, WINTER HAVEN, FL 33881-9609
Document Number	0104091864
Book / Page	010409 / 001864
Instrument Date	Feb 26, 2018
Instrument	45008
Transaction Type	Transfer
Record Updated	Mar 15, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 HARBOR DR WINTER HAVEN FL 338819609, WINTER HAVEN, FL 33881-9609

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Dec 29, 2017
Property Address	114 HARBOR DR, WINTER HAVEN, FL 33881-9609
Document Number	0103550823
Book / Page	010355 / 000823
Instrument Date	Dec 29, 2017
Instrument	251164
Transaction Type	Transfer
Record Updated	Feb 15, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 HARBOR DR WINTER HAVEN FL 338819609, WINTER HAVEN, FL 33881-9609

Tax Assessment & Valuation

The 2025 property tax bill for 114 Harbor Dr was $1,072.

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		$18,500 (-80.02%) Land $18,500	$18,500 (-89.43%) Land $18,500
2025	$1,072.00 Homeowner's exemption	$92,603	$174,967 Land $18,500 Building $156,467
2023	$1,452.00 (+10.84%) Homeowner's exemption	$122,035 (+14.54%)	$171,357 (+20.26%) Land $18,000 Building $153,357
2022	$1,310.00 Homeowner's exemption	$106,544	$142,493 Land $15,000 Building $127,493

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

Flood

FEMA maps place 114 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 114 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

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