115 3rd St, Winter Haven, FL 33881 Property Records

Polk County property record for 115 3rd St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,246 sqft · built 1956
Lot Size	0.218 acres (9,487 sqft)
Owner	Individual Name on Record
Last Sale	$127,000 (Oct 2018)
Tax Bill	$1,817 (2025)
Deeds & Mortgages	Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-28-25-354300-000380`

Property Details

APN / Parcel Number

Primary APN	`25-28-25-354300-000380`
Alternative APN	`52825000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,246 sqft Living Area
1st Floor Area	924 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1956
Effective Year Built	Effective 2010
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	9,487 sqft (0.218 acres)
Lot Dimensions	115 ft deep x 82 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	2,000 sqft
Carport	Carport
Carport Area	2,000 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	20 sqft
Shed	1 Shed
Utility Building	286 sqft

Location & Zoning

Street Address	115 3RD ST # JPV, JPV
City	WINTER HAVEN
State	FL
Zip	33881
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	JAN PHYL VILLAGE UNIT 2 PB 37 PG 50 LOT 38
Legal Range	25E
Legal Township	28S
Legal Section	25
Legal Subdivision	JAN PHYL VILLAGE UNIT 02
Legal Tract	354300
Legal Block	1
Legal Lot Number	38
Legal Unit	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1016
Census Tract	13802

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	Individual Name on Record
Mailing Address	115 3RD JPV ST, WINTER HAVEN, FL 33880-1204
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2018 · Amount on Record
Deed Sale	Oct 31, 2018 · Amount on Record
Prior Sale	Nov 25, 2014 · Amount on Record
Deed Document Number	2018229479
Deed Book / Page	10658 / 183
Transfer Doc	3807001408
Record Updated	Oct 29, 2026

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 31, 2018
Property Address	115 3RD JPV ST # JPV, JPV, WINTER HAVEN, FL 33880-1204
Document Number	0106580183
Book / Page	010658 / 000183
Instrument Date	Oct 26, 2018
Instrument	229479
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$889.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 3RD JPV ST WINTER HAVEN FL 338801204, WINTER HAVEN, FL 33880-1204

Mortgage

Document Number	106580198
Date	Oct 31, 2018
Book Page	010658/000198
Instrument	229481

Lender

Name	HOUSING FIN AGCY
Address	TALLAHASSEE, FL 32301-1329

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2048

Interest

Rate	12%

Mortgage

Document Number	106580185,
Date	Oct 31, 2018
Book Page	010658/000185
Instrument	229480

Lender

Name	HOME SOLUTION LENDERS
Type	Funding / Finance Company
Address	BARTOW, FL 33830

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2048

Tax Assessment & Valuation

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		$170,803 (-5.5%) Land $31,000 Building $139,803	$170,803 (-5.84%) Land $31,000 Building $139,803
2025	$1,817.00 (-10.84%) Homeowner's exemption	$180,745 (+16.42%)	$181,392 (+6.86%) Land $31,000 Building $150,392
2023	$2,038.00 (+4.19%) Homeowner's exemption	$155,250 (+3%)	$169,753 (+12.62%) Land $30,000 Building $139,753
2022	$1,956.00 Homeowner's exemption	$150,728 Land $25,000 Building $125,728	$150,728 Land $25,000 Building $125,728

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 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2008 · Tropical Storm Fay

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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within 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	CENTRAL serves 13,595 people · EPA ID FL6534609
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 377 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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