115 Harbor Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 115 Harbor Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,204 sqft · built 1961
Lot Size	0.167 acres (7,279 sqft)
Owner	Individual Name on File
Last Sale	$244,000 (Apr 2023)
Tax Bill	$1,847 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Oct 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`26-28-08-528700-001150`

Property Details

APN / Parcel Number

Primary APN	`26-28-08-528700-001150`
Alternative APNs	`082826528700001150` `82826000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,204 sqft Living Area
1st Floor Area	1,204 sqft
Flooring	Terrazzo
Interior Walls	Wood

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1995
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
Garage Type	Carport
Garage Area	264 sqft
Carport	Carport
Carport Area	264 sqft
Porch	Unfinished Open Porch
Porch Area	98 sqft
Utility Building	120 sqft

Location & Zoning

Street Address	115 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 115
Legal Range	26E
Legal Township	28S
Legal Section	08
Legal Subdivision	CAREFREE COVE
Legal Tract	528700
Legal Block	1
Legal Lot Number	115
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1030
Census Tract	13601

Owner

115 Harbor Dr is owned and occupied by an individual who bought it in April 2023.

Source: Polk County records, as of October 12, 2026

Owner of Record	Individual Name on File
Mailing Address	115 HARBOR DR, WINTER HAVEN, FL 33881-9610
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
Apr 20, 2023	Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC
Oct 6, 2022	Warranty Deed, Transfer ALBATROSS TITLE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2023 · Amount on File
Deed Sale	Apr 20, 2023 · Amount on File
Prior Sale	Oct 6, 2022 · Amount on File
Deed Document Number	202391171
Deed Book / Page	12659 / 1868
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 20, 2023
Property Address	115 HARBOR DR, WINTER HAVEN, FL 33881-9610
Document Number	0000091171
Book / Page	12659 / 1868
Map Reference	MB 43 PG 19
Instrument Date	Apr 17, 2023
Instrument	2023091171
Transaction Type	Transfer
Record Updated	May 2, 2023
Title Company	UNITED TITLE GROUP/LAKELAND LLC, UNITED TTL GROUP OF LAKELAND

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,708.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 919, KATHLEEN, FL 33849-0919

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 HARBOR DR, WINTER HAVEN, FL 33881-9610

Mortgage

Document Number	0126591870
Date	Apr 20, 2023
Instrument	12659/1870

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 6, 2022
Property Address	115 HARBOR DR, WINTER HAVEN, FL 33881-9610
Document Number	0000266243
Book / Page	12441 / 1715
Map Reference	MB 43 PG 19
Instrument Date	Sep 16, 2022
Instrument	2022266243
Transaction Type	Transfer
Record Updated	Oct 19, 2022
Title Company	ALBATROSS TITLE SERVICES

Transaction

Amount	Amount on Record
Tax	$840.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	840 SUNSET COVE DR, 840, WINTER HAVEN, FL 33880-1789

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8215 US HIGHWAY 98 N # 2, 2, LAKELAND, FL 33809-5329

Tax Assessment & Valuation

The 2025 property tax bill for 115 Harbor Dr was $1,847 with a homeowner's exemption.

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		$177,051 (-1.55%) Land $18,500 Building $158,551	$177,051 (-1.55%) Land $18,500 Building $158,551
2025	$1,847.00 Homeowner's exemption	$179,845 Land $18,500 Building $161,345	$179,845 Land $18,500 Building $161,345
2023	$2,729.00 (+59.96%)	$167,173 (+18.83%) Land $18,000 Building $149,173	$167,173 (+18.83%) Land $18,000 Building $149,173
2022	$1,706.00	$140,684 Land $15,000 Building $125,684	$140,684 Land $15,000 Building $125,684

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

Flood

FEMA maps place 115 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 115 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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