140 3rd St SW, Winter Haven, FL 33880 Property Records

Polk County property record for 140 3rd St SW, Winter Haven, FL 33880

Property Summary

Property Type	Commercial Office
Details	10,138 sqft · built 1958
Lot Size	1.09 acres (47,594 sqft)
Owner	Company Name on File
Last Sale	$1,800,000 (Sep 2019)
Tax Bill	$22,198 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Oct 2019 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-29-630500-000031`

Property Details

APN / Parcel Number

Primary APN	`26-28-29-630500-000031`
Alternative APNs	`292826630500000031` `92826000`

Interior

Units	2 Units
Stories	2 Stories
Building Area	10,138 sqft Gross Area
1st Floor Area	6,035 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1996
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	47,594 sqft
Lot Dimensions	90 ft deep x 35 ft wide
Canopy	196 sqft
Total Buildings	2 Buildings

Location & Zoning

Street Address	140 3RD ST SW
City	WINTER HAVEN
State	FL
Zip	33880-2907
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	BR
Legal Description	LOVETT FRANK G ESTATE PB 3 PG 18 LOTS 3 THRU 12 & W 10 FT OF LOT 13 LESS N 2.06 FT OF E 79.97 FT OF W 85.01 FT OF LOT 3 & LESS N 29.5 FT OF E 35 FT OF W 40 FT OF LOT 6 & LESS W 40 FT OF LOT 12 & LESS THAT PT OF LOTS 7 THRU 11 DESC AS FOLL: BEG AT INT
Legal Range	26E
Legal Township	28S
Legal Section	29
Legal Subdivision	LOVETT FRANK G ESTATE
Legal Tract	630500
Legal Block	2
Legal Lot Number	3-13
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2031
Census Tract	13701

Historic Designation

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

Historic District	Within 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

140 3rd St SW, a commercial property, is owned by a company that bought it in September 2019.

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

Owner of Record	Company Name on File
Mailing Address	56 4TH ST NW, WINTER HAVEN, FL 33881-4667
Owner Type	Company

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
Oct 25, 2019	Deed of Trust, Mortgage VALLEY NAT'L BK
Oct 29, 2019	Correction Deed, Transfer ATTORNEY ONLY
Sep 17, 2019	Grant Deed, Transfer ATTORNEY ONLY
Jul 29, 2020	Correction Deed, Transfer ATTORNEY ONLY
Jul 20, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2019 · Amount on File
Deed Sale	Sep 17, 2019 · Amount on File
Prior Sale	Jul 29, 1999 · Amount on File
Deed Document Number	2019196880
Deed Book / Page	10976 / 759
Prior Transfer Date	Sep 16, 2019
Prior Transfer Doc	0000144471
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	150 3RD ST SW, WINTER HAVEN, FL 33880-2979
Document Number	0110220974
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Nov 14, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 7378 WINTER HAVEN FL 338837378, WINTER HAVEN, FL 33883-7378

Mortgage

Document Number	0110220974
Date	Oct 29, 2019
Book Page	011022/000974
Instrument	229469

Lender

Name	VALLEY NAT'L BK
Type	Bank
Address	POST # 17540, CLEARWATER, FL 33762

Agreement

Amount	Amount on Record

October 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	POLK FL
Recording Date	Oct 29, 2019
Property Address	150 3RD ST SW, WINTER HAVEN, FL 33880-2979
Document Number	0110220972
Book / Page	011022 / 000972
Instrument Date	Sep 16, 2019
Instrument	229468
Transaction Type	Transfer
Record Updated	Nov 20, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	56 4TH ST NW WINTER HAVEN FL 338814667, WINTER HAVEN, FL 33881-4667

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Sep 17, 2019
Property Address	150 3RD ST SW, WINTER HAVEN, FL 33880-2979
Document Number	0109760759
Book / Page	010976 / 000759
Instrument Date	Sep 16, 2019
Instrument	196880
Transaction Type	Transfer
Record Updated	Oct 2, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$12,600.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	56 4TH ST NW WINTER HAVEN FL 338814667, WINTER HAVEN, FL 33881-4667

July 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	POLK FL
Recording Date	Jul 29, 2020
Property Address	150 3RD ST SW, WINTER HAVEN, FL 33880-2979
Document Number	0113161027
Book / Page	011316 / 001027
Instrument Date	Sep 16, 2019
Instrument	153171
Transaction Type	Transfer
Record Updated	Aug 18, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	56 4TH ST NW WINTER HAVEN FL 338814667, WINTER HAVEN, FL 33881-4667

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Jul 20, 2020
Property Address	150 3RD ST SW, WINTER HAVEN, FL 33880-2979
Document Number	0113031687
Book / Page	011303 / 001687
Instrument Date	Sep 16, 2019
Instrument	144471
Transaction Type	Transfer
Record Updated	Aug 6, 2020
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	10 LAKE LINK DR SE WINTER HAVEN FL 338844116, WINTER HAVEN, FL 33884-4116

Tax Assessment & Valuation

The 2025 property tax bill for 140 3rd St SW was $22,198, up 10.3% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,160,922 (-0.09%) Land $285,564 Building $875,358	$1,160,922 (-1.59%) Land $285,564 Building $875,358
2025	$22,198.00 (+10.25%)	$1,161,991	$1,179,642 Land $285,564 Building $894,078
2024	$20,134.00 (-5.43%)
2023	$21,291.00 (+1.85%)	$1,105,662 (+2.43%) Land $214,173 Building $891,489	$1,105,662 (+2.43%) Land $214,173 Building $891,489
2022	$20,904.00	$1,079,432 Land $214,173 Building $865,259	$1,079,432 Land $214,173 Building $865,259

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

Flood

FEMA maps place 140 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 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 140 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 Risk	Not 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 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 229 locations within half a mile, as of December 31, 2025

Provider	Max 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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