2829 Whispering Trails Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 2829 Whispering Trails Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,274 sqft · built 2019
Lot Size	0.106 acres (4,596 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,900 (Mar 2019)
Tax Bill	$2,097 (2025)
Deeds & Mortgages	Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-28-30-850002-001460`

Property Details

APN / Parcel Number

Primary APN	`27-28-30-850002-001460`
Alternative APNs	`302827850002001460` `02827000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,274 sqft Living Area
Gross Area	1,661 sqft
1st Floor Area	1,274 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	4,596 sqft (0.106 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	387 sqft
Porch	Screened/Unfinished Porch
Porch Area	64 sqft

Location & Zoning

Street Address	2829 WHISPERING TRAILS DR
City	WINTER HAVEN
State	FL
Zip	33884-1853
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPERING TRAILS PHASE 2 PB 143 PG 49-51 LOT 146
Legal Range	27E
Legal Township	28S
Legal Section	30
Legal Subdivision	WHISPERING TRAILS PHASE 2
Legal Phase	2
Legal Tract	850002
Legal Block	2
Legal Lot Number	146
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	2
Census Block	2057
Census Tract	14123

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 Record	2 Individual Names on Record
Mailing Address	2829 WHISPERING TRAILS DR, WINTER HAVEN, FL 33884-1853
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2019 · Amount on Record
Deed Sale	Mar 25, 2019 · Amount on Record
Deed Document Number	201958459
Deed Book / Page	10787 / 89
Prior Transfer Date	Mar 22, 2019
Prior Transfer Doc	0000079117
Record Updated	Oct 29, 2026

March 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Mar 25, 2019
Property Address	2829 WHISPERING TRAILS DR, WINTER HAVEN, FL 33884-1853
Document Number	0107870089
Book / Page	010787 / 000089
Instrument Date	Mar 22, 2019
Instrument	58459
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,161.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2808 WHISPERING TRAILS DR WINTER HAVEN FL 338841851, WINTER HAVEN, FL 33884-1851

Mortgage

Document Number	107870091
Date	Mar 25, 2019
Book Page	010787/000091
Instrument	58460

Lender

Name	UNION HM MTG CORP
Address	STRONGSVILLE, OH 44136

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 24, 2049

Tax Assessment & Valuation

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		$159,832 (+2.7%)	$198,326 (-2.42%) Land $25,000 Building $173,326
2025	$2,097.00 (+6.77%) Homeowner's exemption	$155,630 (+5.99%)	$203,243 (-4.49%) Land $25,000 Building $178,243
2023	$1,964.00 (+3.42%) Homeowner's exemption	$146,839 (+3%)	$212,792 (+9.73%) Land $24,000 Building $188,792
2022	$1,899.00 Homeowner's exemption	$142,562	$193,919 Land $20,000 Building $173,919

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 105 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	105 in force
Nearby Flood Claims	3 (2017–2022)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 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 Risk	Moderate above 52% of the US · lower than 77% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30