2916 Walnut St, Winter Haven, FL 33881 Property Records

Polk County property record for 2916 Walnut St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,152 sqft · built 1955
Lot Size	0.291 acres (12,676 sqft)
Owner	Individual Name on File
Last Sale	$157,000 (Sep 2019)
Tax Bill	$1,212 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Sep 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-28-13-340800-002300`

Property Details

APN / Parcel Number

Primary APN	`25-28-13-340800-002300`
Alternative APNs	`132825340800002300` `32825000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2010
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	12,676 sqft (0.291 acres)
Lot Dimensions	185 ft deep x 70 ft wide
View / Lot	Commercial/Industrial
Garage Type	Detached
Garage Area	320 sqft
Porch	Unfinished Open Porch
Porch Area	236 sqft

Location & Zoning

Street Address	2916 WALNUT ST
City	WINTER HAVEN
State	FL
Zip	33881-1160
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BILTMORE SHORES UNIT NO 2 PB 37 PG 7 BLK B LOT 30
Legal Range	25E
Legal Township	28S
Legal Section	13
Legal Subdivision	BILTMORE SHORES UNIT NO 2
Legal Tract	340800
Legal Block	B
Legal Lot Number	30
Legal Unit	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1019
Census Tract	13400

Owner

2916 Walnut St is owned and occupied by an individual who bought it in September 2019.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	2916 WALNUT ST, WINTER HAVEN, FL 33881-1160
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2020	Deed of Trust, Mortgage · Conventional with PMI MIDFLORIDA CU ISAOA
Sep 25, 2019	Warranty Deed, Transfer · Conventional with PMI NEW AMERICAN FNDG
May 4, 2018	Warranty Deed, Transfer · Conventional with PMI STATE FARM BK
Oct 17, 2017	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2019 · Amount on File
Deed Sale	Sep 25, 2019 · Amount on File
Prior Sale	May 4, 2018 · Amount on File
Deed Document Number	2019203155
Deed Book / Page	10985 / 92
Prior Transfer Date	Jun 19, 2003
Prior Transfer Doc	0000120182
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	2916 WALNUT ST, WINTER HAVEN, FL 33881-1160
Document Number	0114990153
Instrument Date	Dec 11, 2020
Transaction Type	Mortgage
Record Updated	Jan 5, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2916 WALNUT ST WINTER HAVEN FL 338811160, WINTER HAVEN, FL 33881-1160

Mortgage

Document Number	0114990153
Date	Dec 16, 2020
Book Page	011499/000153
Instrument	272483

Lender

Name	MIDFLORIDA CU ISAOA
Type	Credit Union
Address	LAKELAND, FL 33802-8008

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 15, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 25, 2019
Property Address	2916 WALNUT ST, WINTER HAVEN, FL 33881-1160
Document Number	0109850092
Book / Page	010985 / 000092
Instrument Date	Sep 23, 2019
Instrument	203155
Transaction Type	Transfer
Record Updated	Oct 10, 2019
Title Company	REAL ESTATE TITLE, REAL ESTATE TITLE SVCS CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,099.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2916 WALNUT ST WINTER HAVEN FL 338811160, WINTER HAVEN, FL 33881-1160

Mortgage

Document Number	109850093
Date	Sep 25, 2019
Book Page	010985/000093
Instrument	203156

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 24, 2049

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 4, 2018
Property Address	2916 WALNUT ST, WINTER HAVEN, FL 33881-1160
Document Number	0104751783
Book / Page	010475 / 001783
Instrument Date	May 2, 2018
Instrument	96403
Transaction Type	Transfer
Record Updated	May 16, 2018
Title Company	REAL ESTATE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2916 WALNUT ST WINTER HAVEN FL 338811160, WINTER HAVEN, FL 33881-1160

Mortgage

Document Number	104751784
Date	May 4, 2018
Book Page	010475/001784
Instrument	96404

Lender

Name	STATE FARM BK
Type	Bank
Address	EARTH CITY, MO 63045

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 3, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	2916 WALNUT ST, WINTER HAVEN, FL 33881-1160
Document Number	0102952249
Book / Page	010295 / 002249
Instrument Date	Oct 17, 2017
Transaction Type	Mortgage
Record Updated	Nov 30, 2017
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2916 WALNUT ST WINTER HAVEN FL 338811160, WINTER HAVEN, FL 33881-1160

Mortgage

Document Number	0102952249
Date	Oct 25, 2017
Book Page	010295/002249
Instrument	204137

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 24, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 2916 Walnut St was $1,212 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		$135,479 (+2.7%)	$179,877 (-4.54%) Land $36,000 Building $143,877
2025	$1,212.00 Homeowner's exemption	$131,917	$188,431 Land $36,000 Building $152,431
2023	$1,662.00 (+4.66%) Homeowner's exemption	$124,465 (+3%)	$161,609 (+10.74%) Land $35,000 Building $126,609
2022	$1,588.00 Homeowner's exemption	$120,840	$145,937 Land $29,000 Building $116,937

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

Flood

FEMA maps place 2916 Walnut St in Zone X, an area of minimal flood risk, though there have been 3 flood claims 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	7 in force
Nearby Flood Claims	3 (2004)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2004 · Hurricane Frances
Claims by Event	Hurricane Frances, Sep 2004 · 3 claims

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 2916 Walnut St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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

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

May also be available: Frontier.

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