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118 3rd St SW, Winter Haven, FL 33880 Property Records

Polk County property record for 118 3rd St SW, Winter Haven, FL 33880

Property Summary

Property TypeBar, Tavern
Details3,411 sqft · built 1925
Lot Size0.088 acres (3,820 sqft)
OwnerCompany Name on File
Last Sale$96,000 (Apr 2002)
Tax Bill$5,215 (2025)
Deeds & MortgagesFeb 2026 Sale
Nov 2020 Loan Modification
Flood ZoneZone X (minimal risk)
APN26-28-29-630500-000020

Property Details

APN / Parcel Number

Primary APN26-28-29-630500-000020
Alternative APNs
  • 292826630500000020
  • 92826000

Interior

Stories1 Story
Building Area3,411 sqft Gross Area
1st Floor Area3,411 sqft

Exterior

Year BuiltBuilt 1925
Effective Year BuiltEffective 2001
Fire ResistanceMasonry Walls, Wood Interior
Lot Area3,820 sqft (0.088 acres)
View / LotAgricultural

Location & Zoning

Street Address118 3RD ST SW
CityWINTER HAVEN
StateFL
Zip33880-2907
Property CategoryCommercial
Property TypeCommercial > Retail > Bar, Tavern
Local Zoning CodeBR
Legal DescriptionLOVETT FRANK G ESTATE PB 3 PG 18 LOT 2 S 44 FT LESS N 3.4 FT OF W 54.8 FT & N1/2 OF N BRICK WALL ON 3
Legal Range26E
Legal Township28S
Legal Section29
Legal SubdivisionLOVETT FRANK G ESTATE
Legal Block2
Legal Lot Number2
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2031
Census Tract13701

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Downtown Winter Haven Historic District
listed 2002 · 26 contributing resources · NRIS 01001414

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

118 3rd St SW, a commercial property, is owned by a company that bought it in April 2002.

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

Owner of RecordCompany Name on File
Mailing Address100 3RD ST SW, WINTER HAVEN, FL 33880-2907
Owner TypeCompany

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

DateDocument
Feb 6, 2026Special Warranty Deed, Transfer
ACCOMODATION, ACCOMMODATION
Nov 23, 2020Loan Modification, Mortgage
CENTERSTATE BK NA

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 30, 2002 · Amount on File
Deed SaleApr 30, 2002 · Amount on File
Prior SaleJan 16, 2002 · Amount on File
Deed Book / Page4991 / 2099
Transfer Doc4903000542
Record UpdatedOct 29, 2026

February 2026: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionPOLK FL
Recording DateFeb 6, 2026
Property Address118 3RD ST SW, WINTER HAVEN, FL 33880-2907
Document Number0000031568
Book / Page13874 / 1397
Map ReferenceMB 3 PG 18
Instrument DateFeb 5, 2026
Instrument2026031568
Transaction TypeTransfer
Record UpdatedMar 2, 2026
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address10 LAKE LINK DR SE, WINTER HAVEN, FL 33884-4116

Transferred To (Grantee/Buyer)

NameVerified Name
Address100 3RD ST SW, WINTER HAVEN, FL 33880-2907

November 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPOLK FL
Property Address118 3RD ST SW, WINTER HAVEN, FL 33880-2907
Document Number0114801757
Instrument DateNov 23, 2020
Transaction TypeMortgage
Record UpdatedDec 22, 2020
Title CompanyOTHER

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1211 KNOLLWOOD CT ALTOONA WI 547202508, ALTOONA, WI 54720-2508

Mortgage

Document Number0114801757
DateDec 4, 2020
Book Page011480/001757
Instrument260639
Lender
NameCENTERSTATE BK NA
TypeBank
AddressWINTER HAVEN, FL 33881
Agreement
AmountAmount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 118 3rd St SW was $5,215, up 3.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$260,374 (-5.04%) Land $35,344 Building $225,030$260,374 (-5.04%) Land $35,344 Building $225,030
2025$5,215.00 (+3.93%)$274,186 Land $35,344 Building $238,842$274,186 Land $35,344 Building $238,842
2024$5,018.00 (+0.66%)
2023$4,985.00 (+7.81%)$277,164 (+6.32%) Land $29,613 Building $247,551$277,164 (+6.32%) Land $29,613 Building $247,551
2022$4,624.00$260,688 Land $29,613 Building $231,075$260,688 Land $29,613 Building $231,075

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

Flood

FEMA maps place 118 3rd St SW in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2001.

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
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies1 in force
Nearby Flood Claims1 (2001)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 2001 · rainfall accumulation

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

The area around 118 3rd St SW has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire RiskNot rated
no burnable land 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 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 229 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30

May also be available: Alternative Choice Wireless, AT&T, Frontier.

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