1818 3rd St SE, Winter Haven, FL 33880 Property Records

Polk County property record for 1818 3rd St SE, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,421 sqft · built 1970
Lot Size	0.232 acres (10,123 sqft)
Owner	2 Individual Names on File
Last Sale	$37,000 (Mar 2002)
Tax Bill	$1,332 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`26-28-33-658200-000470`

Property Details

APN / Parcel Number

Primary APN	`26-28-33-658200-000470`
Alternative APNs	`332826658200000470` `32826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,421 sqft Living Area
Gross Area	1,896 sqft
1st Floor Area	1,421 sqft
Flooring	Concrete/Cement
Interior Walls	Wood

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	10,123 sqft (0.232 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	475 sqft

Exterior Amenities

Pool House	Pool House
Porch	Unfinished Open Porch
Porch Area	78 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1818 3RD ST SE
City	WINTER HAVEN
State	FL
Zip	33880-4424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TERRACE GARDENS SUB PB 46 PG 46 LOT 47
Legal Range	26E
Legal Township	28S
Legal Section	33
Legal Subdivision	TERRACE GARDENS SUBDIVISION
Legal Tract	658200
Legal Block	1
Legal Lot Number	47
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1008
Census Tract	14005

Owner

1818 3rd St SE is owned and occupied by two individuals who bought it in March 2002.

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

Owner of Record	2 Individual Names on File
Mailing Address	1818 3RD ST SE, WINTER HAVEN, FL 33880-4424
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2002 · Amount on File
Deed Sale	Mar 4, 2002 · Amount on File
Prior Sale	Apr 28, 2000 · Amount on File
Deed Book / Page	4941 / 1076
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1818 3RD ST SE, WINTER HAVEN, FL 33880-4424
Transaction Type	Mortgage
Record Updated	Feb 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031613
Date	Feb 8, 2021
Book Page	11570/2251
Instrument	2021031613

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 10, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1818 3rd St SE was $1,332 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		$144,821 (+2.7%)	$206,285 (-7.97%) Land $50,000 Building $156,285
2025	$1,332.00 Homeowner's exemption	$141,014	$224,145 Land $50,000 Building $174,145
2023	$1,729.00 (+3.78%) Homeowner's exemption	$133,049 (+3%)	$204,989 (+14.76%) Land $48,000 Building $156,989
2022	$1,666.00 Homeowner's exemption	$129,174	$178,625 Land $40,000 Building $138,625

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

Flood

FEMA maps place 1818 3rd St SE in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

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	8 in force
Nearby Flood Claims	1 (2004)
Most Recent Claim	Sep 2004 · Hurricane Frances

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 1818 3rd St SE is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% 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 255 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20