Polk County property record for 1826 3rd St SE, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,968 sqft · built 1966 |
| Lot Size | 0.232 acres (10,123 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $637 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-33-658200-000430 |
| Primary APN | 26-28-33-658200-000430 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,968 sqft Living Area |
| 1st Floor Area | 1,968 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plaster |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Exterior Material | Other |
| 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 | Carport |
| Garage Area | 228 sqft |
| Carport | Carport |
| Carport Area | 228 sqft |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 110 sqft |
| Shed | 1 Shed |
| Utility Building | 96 sqft |
| Cooling System | Central |
|---|
| Street Address | 1826 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 43 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 33 |
| Legal Subdivision | TERRACE GARDENS SUBDIVISION |
| Legal Tract | 658200 |
| Legal Block | 1 |
| Legal Lot Number | 43 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 14005 |
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 Record | Individual Name on Record |
|---|---|
| Mailing Address | 1826 3RD ST SE, WINTER HAVEN, FL 33880-4424 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Oct 24, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Sep 6, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1826 3RD ST SE, WINTER HAVEN, FL 33880-4424 |
| Document Number | 0113312033 |
| Instrument Date | Aug 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1826 3RD ST SE WINTER HAVEN FL 338804424, WINTER HAVEN, FL 33880-4424 |
| Document Number | 0113312033 |
|---|---|
| Date | Aug 12, 2020 |
| Book Page | 011331/002033 |
| Instrument | 162891 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 11, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1826 3RD ST SE, WINTER HAVEN, FL 33880-4424 |
| Document Number | 0110220918 |
| Instrument Date | Oct 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1826 3RD ST SE WINTER HAVEN FL 338804424, WINTER HAVEN, FL 33880-4424 |
| Document Number | 0110220918 |
|---|---|
| Date | Oct 29, 2019 |
| Book Page | 011022/000918 |
| Instrument | 229459 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 28, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1826 3RD ST SE, WINTER HAVEN, FL 33880-4424 |
| Document Number | 0102592299 |
| Book / Page | 010259 / 002299 |
| Instrument Date | Sep 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1826 3RD ST SE WINTER HAVEN FL 338804424, WINTER HAVEN, FL 33880-4424 |
| Document Number | 0102592299 |
|---|---|
| Date | Sep 14, 2017 |
| Book Page | 010259/002299 |
| Instrument | 176210 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 13, 2047 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $90,915 (+2.7%) | $232,109 (-8.2%) Land $50,000 Building $182,109 | |
| 2025 | $637.00 (-40.8%) Homeowner's exemption | $88,525 (+5.99%) | $252,835 (+10.32%) Land $50,000 Building $202,835 |
| 2023 | $1,076.00 (+5.28%) Homeowner's exemption | $83,524 (+3%) | $229,175 (+11.27%) Land $48,000 Building $181,175 |
| 2022 | $1,022.00 Homeowner's exemption | $81,091 | $205,971 Land $40,000 Building $165,971 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
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.
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 |
| 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.
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 |
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