1. Home
  2. Florida
  3. Polk County
  4. Winter Haven
  5. 3rd St SW

20 3rd St SW, Winter Haven, FL 33880 Property Records

Polk County property record for 20 3rd St SW, Winter Haven, FL 33880

Property Summary

Property TypeCommercial Office
Details21,576 sqft · built 1923
Lot Size0.175 acres (7,632 sqft)
OwnerCompany Name on Record
Last Sale$2,800,000 (Jan 2017)
Tax Bill$48,517 (2025)
Deeds & MortgagesJan 2017 Sale & Line of Credit
Flood ZoneZone X (minimal risk)
APN26-28-29-621000-024080

Property Details

APN / Parcel Number

Primary APN26-28-29-621000-024080
Alternative APNs
  • 292826621000024080
  • 92826000

Interior

Stories3 Stories
Building Area21,576 sqft Gross Area
1st Floor Area7,192 sqft
ElevatorElevator

Exterior

Year BuiltBuilt 1923
Effective Year BuiltEffective 2011
Fire ResistanceMasonry Walls, Wood Interior
Lot Area7,632 sqft (0.175 acres)

Location & Zoning

Street Address20 3RD ST SW
CityWINTER HAVEN
StateFL
Zip33880-2966
Property CategoryCommercial
Property TypeCommercial > Office > Commercial Office
Local Zoning CodeBR
Legal DescriptionWINTER HAVEN DB M PG 160 TIER 2 BLK 4 LOT 8
Legal Range26E
Legal Township28S
Legal Section29
Legal SubdivisionWINTER HAVEN
Legal Block4
Legal Lot Number8
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2027
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

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 RecordCompany Name on Record
Mailing Address56 4TH ST NW, 200, WINTER HAVEN, FL 33881-4613
Owner TypeCompany

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 3, 2017 · Amount on Record
Deed SaleJan 3, 2017 · Amount on Record
Prior SaleDec 1, 2016 · Amount on Record
Deed Document Number2017116
Deed Book / Page10028 / 516
Record UpdatedOct 29, 2026

January 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJan 3, 2017
Property Address280 W CENTRAL AVE, WINTER HAVEN, FL 33880-2957
Document Number0100280516
Book / Page010028 / 000516
Instrument DateDec 30, 2016
Instrument116
Transaction TypeTransfer
Record UpdatedJan 25, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$19,600.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address56 4TH ST NW #200 WINTER HAVEN FL 338814613, 200, WINTER HAVEN, FL 33881-4613

Mortgage

Document Number100280522,
DateJan 3, 2017
Book Page010028/000522
Instrument119
Lender
NameCITIZENS BK
TypeBank
Address222 STATE ROAD 60 E, LAKE WALES, FL 33853-3748
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

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$2,471,224 (-3.1%) Land $99,190 Building $2,258,495$2,471,224 (-3.12%) Land $99,190 Building $2,258,495
2025$48,517.00 (+9.79%)$2,550,273 (+3.34%)$2,550,788 (+3.36%) Land $99,190 Building $2,267,879
2024$44,189.00 (-7.01%)
2023$47,521.00 (+6.37%)$2,467,780 (+7.06%) Land $99,190 Building $2,368,590$2,467,780 (+7.06%) Land $99,190 Building $2,368,590
2022$44,674.00$2,304,953 Land $99,190 Building $2,205,763$2,304,953 Land $99,190 Building $2,205,763

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
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

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 166 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
AT&T
Fixed Wireless		100 / 20

May also be available: Frontier, T-Mobile, Verizon.

Nearby Properties on 3rd St SW

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures