Polk County property record for 2913 Whispering Trails Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,426 sqft · built 2016 |
| Lot Size | 0.119 acres (5,175 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $143,500 (Jan 2017) |
| Tax Bill | $2,055 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-28-30-850002-001250 |
| Primary APN | 27-28-30-850002-001250 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,426 sqft Living Area |
| Gross Area | 1,806 sqft |
| 1st Floor Area | 1,426 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 5,175 sqft (0.119 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 77 sqft |
| Street Address | 2913 WHISPERING TRAILS DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-1848 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHISPERING TRAILS PHASE 2 PB 143 PG 49-51 LOT 125 |
| 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 | 125 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 2 |
| Census Block | 2057 |
| Census Tract | 14123 |
2913 Whispering Trails Dr is owned and occupied by two individuals who bought it in January 2017.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2913 WHISPERING TRAILS DR, WINTER HAVEN, FL 33884-1848 |
| 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.
| Date | Document |
|---|---|
| Jan 27, 2022 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| Oct 6, 2021 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| Jan 14, 2019 | Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING |
| Jan 18, 2017 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage CHRISTENSEN FIN'L |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 18, 2017 · Amount on File |
| Deed Sale | Jan 18, 2017 · Amount on File |
| Deed Document Number | 201710121 |
| Deed Book / Page | 10041 / 292 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2913 WHISPERING TRAILS DR, WINTER HAVEN, FL 33884-1848 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 2913 WHISPERING TRAILS DR, WINTER HAVEN, FL 33884-1848 |
| Document Number | 0000024148 |
|---|---|
| Date | Jan 27, 2022 |
| Book Page | 12092/422 |
| Instrument | 2022024148 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32202 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2913 WHISPERING TRAILS DR, WINTER HAVEN, FL 33884-1848 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2021 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 2913 WHISPERING TRAILS DR, WINTER HAVEN, FL 33884-1848 |
| Document Number | 0000260994 |
|---|---|
| Date | Oct 6, 2021 |
| Book Page | 11926/928 |
| Instrument | 2021260994 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32202 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 328 Months |
| Due | Feb 1, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2913 WHISPERING TRAILS DR, WINTER HAVEN, FL 33884-1848 |
| Document Number | 0107570145 |
| Instrument Date | Jan 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2913 WHISPERING TRAILS DR WINTER HAVEN FL 338841848, WINTER HAVEN, FL 33884-1848 |
| Document Number | 0107570145 |
|---|---|
| Date | Feb 21, 2019 |
| Book Page | 010757/000145 |
| Instrument | 35471 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | TROY, MI 48098 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 20, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 18, 2017 |
| Property Address | 2913 WHISPERING TRAILS DR, WINTER HAVEN, FL 33884-1848 |
| Document Number | 0100410292 |
| Book / Page | 010041 / 000292 |
| Instrument Date | Jan 17, 2017 |
| Instrument | 10121 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 24, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,004.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 158 CLOVERDALE RD WINTER HAVEN FL 338844201, WINTER HAVEN, FL 33884-4201 |
| Document Number | 100410294 |
|---|---|
| Date | Jan 18, 2017 |
| Book Page | 010041/000294 |
| Instrument | 10122 |
| Name | CHRISTENSEN FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | LONGWOOD, FL 32750 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 17, 2047 |
The 2025 property tax bill for 2913 Whispering Trails Dr was $2,055 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $157,520 (+2.7%) | $201,150 (-4.72%) Land $25,000 Building $176,150 | |
| 2025 | $2,055.00 Homeowner's exemption | $153,379 | $211,121 Land $25,000 Building $186,121 |
| 2023 | $1,924.00 (+3.5%) Homeowner's exemption | $144,715 (+3%) | $221,446 (+9.34%) Land $24,000 Building $197,446 |
| 2022 | $1,859.00 Homeowner's exemption | $140,500 | $202,537 Land $20,000 Building $182,537 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2913 Whispering Trails Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2017.
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 |
| Flood Insurance Cost | Premium on File 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 risk around 2913 Whispering Trails Dr is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · lower than 81% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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.
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 300 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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