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118 Harbor Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 118 Harbor Dr, Winter Haven, FL 33881

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,294 sqft · built 1971
Lot Size0.167 acres (7,279 sqft)
Owner2 Individual Names on Record
Last Sale$75,000 (Jul 2017)
Tax Bill$522 (2025)
Deeds & MortgagesJul 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-08-528700-000990

Property Details

APN / Parcel Number

Primary APN26-28-08-528700-000990
Alternative APNs
  • 082826528700000990
  • 82826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,294 sqft Living Area
1st Floor Area1,294 sqft
FlooringConcrete/Cement
Interior WallsWood
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1971
Effective Year BuiltEffective 1971
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area7,279 sqft (0.167 acres)
Lot Dimensions104 ft deep x 70 ft wide
View / LotCommercial/Industrial

Exterior Amenities

PorchUnfinished Open Porch
Porch Area78 sqft
Shed1 Shed
Utility Building84 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address118 HARBOR DR
CityWINTER HAVEN
StateFL
Zip33881-9609
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionCAREFREE COVE PB 43 PG 19 LOT 99
Legal Range26E
Legal Township28S
Legal Section08
Legal SubdivisionCAREFREE COVE
Legal Tract528700
Legal Block1
Legal Lot Number99
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group1
Census Block1031
Census Tract13601

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 Record2 Individual Names on Record
Mailing Address118 HARBOR DR, WINTER HAVEN, FL 33881-9609
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 28, 2017 · Amount on Record
Deed SaleJul 28, 2017 · Amount on Record
Prior SaleAug 12, 2009 · Amount on Record
Deed Document Number2017143918
Deed Book / Page10217 / 1175
Prior Transfer DateFeb 26, 2009
Prior Transfer Doc0000134365
Record UpdatedOct 29, 2026

July 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJul 28, 2017
Property Address118 HARBOR DR, WINTER HAVEN, FL 33881-9609
Document Number0102171175
Book / Page010217 / 001175
Instrument DateJul 20, 2017
Instrument143918
Transaction TypeTransfer
Record UpdatedAug 23, 2018
Title CompanyEXECUTIVE TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$525.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address118 HARBOR DR WINTER HAVEN FL 338819609, WINTER HAVEN, FL 33881-9609

Mortgage

Document Number102171176
DateJul 28, 2017
Book Page010217/001176
Instrument143919
Lender
NameWELLS FARGO BK
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueJul 27, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$82,038 (+2.7%)$168,871 (-3.57%) Land $18,500 Building $150,371
2025$522.00 (-45.96%) Homeowner's exemption$79,881 (+5.99%)$175,124 (+1.55%) Land $18,500 Building $156,624
2023$966.00 (+4.09%) Homeowner's exemption$75,369 (+3%)$172,446 (+16.1%) Land $18,000 Building $154,446
2022$928.00 Homeowner's exemption$73,174$148,533 Land $15,000 Building $133,533

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 10 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies10 in force
Nearby Flood Claims1 (2022)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 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

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

Wildfire RiskLow
lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
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 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 253 locations within half a mile, as of December 31, 2025

ProviderMax 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

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