2928 Walnut St, Winter Haven, FL 33881 Property Records

Polk County property record for 2928 Walnut St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,218 sqft · built 1955
Lot Size	0.222 acres (9,657 sqft)
Owner	Individual Name on Record
Last Sale	$162,000 (Dec 2020)
Tax Bill	$2,522 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage May 2020 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-28-13-340800-002270`

Property Details

APN / Parcel Number

Primary APN	`25-28-13-340800-002270`
Alternative APNs	`132825340800002270` `32825000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,218 sqft Living Area
Gross Area	1,320 sqft
1st Floor Area	978 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1990
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Shed Roof
Roof Material	Tar & Gravel
Lot Area	9,657 sqft (0.222 acres)
Lot Dimensions	116 ft deep x 80 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	200 sqft
Carport	Carport
Carport Area	200 sqft
Porch	Florida Room
Porch Area	638 sqft
Utility Building	225 sqft

Location & Zoning

Street Address	2928 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 27
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	27
Legal Unit	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1019
Census Tract	13400

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	Individual Name on Record
Mailing Address	11009 TAEDA DR, ORLANDO, FL 32832-7033
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2020	Warranty Deed, Transfer · Conventional Mortgage MY MTG
May 27, 2020	Warranty Deed, Construction Loan · Construction Mortgage CAPITAL FUND
Oct 29, 2018	Deed of Trust, Mortgage · Line of Credit CENTERSTATE BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2020 · Amount on Record
Deed Sale	Dec 22, 2020 · Amount on Record
Prior Sale	May 27, 2020 · Amount on Record
Deed Document Number	2020276950
Deed Book / Page	11506 / 164
Prior Transfer Date	Aug 12, 2015
Prior Transfer Doc	0000147724
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 22, 2020
Property Address	2928 WALNUT ST, WINTER HAVEN, FL 33881-1160
Document Number	0115060164
Book / Page	011506 / 000164
Instrument Date	Dec 17, 2020
Instrument	276950
Transaction Type	Transfer
Record Updated	Jan 11, 2021
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,134.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2928 WALNUT ST WINTER HAVEN FL 338811160, WINTER HAVEN, FL 33881-1160

Mortgage

Document Number	115060166
Date	Dec 22, 2020
Book Page	011506/000166
Instrument	276951

Lender

Name	MY MTG
Type	Mortgage Company
Address	CROFTON, MD 21114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 21, 2050

May 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 27, 2020
Property Address	2928 WALNUT ST, WINTER HAVEN, FL 33881-1160
Document Number	0112450628
Book / Page	011245 / 000628
Instrument Date	May 14, 2020
Instrument	104983
Transaction Type	Construction Loan
Record Updated	Jun 16, 2020
Title Company	UNITED TITLE GROUP/LAKELAND LLC, UNITED TITLE GRP/LAKELAND LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$665.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14341 FREDRICKSBURG DR #1017 ORLANDO FL 328378629, 1017, ORLANDO, FL 32837-8629

Mortgage

Document Number	112450630
Date	May 27, 2020
Book Page	011245/000630
Instrument	104984

Lender

Name	CAPITAL FUND
Type	Funding / Finance Company
Address	ORLANDO, FL 32803

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 26, 2021

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	2928 WALNUT ST, WINTER HAVEN, FL 33881-1160
Document Number	0106770848
Instrument Date	Oct 29, 2018
Transaction Type	Mortgage
Record Updated	Dec 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	909B LAKE JESSIE DR WINTER HAVEN FL 338811005, WINTER HAVEN, FL 33881-1005

Mortgage

Document Number	0106770848
Date	Nov 21, 2018
Book Page	010677/000848
Instrument	243884

Lender

Name	CENTERSTATE BK NA
Type	Bank
Address	WINTER HAVEN, FL 33881

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$198,505 (+8.03%) Land $29,000 Building $169,505	$198,505 (-0.83%) Land $29,000 Building $169,505
2025	$2,522.00 (-18.43%)	$183,742 (+11.91%)	$200,166 (+21.91%) Land $29,000 Building $171,166
2024	$3,092.00 (+17.93%)
2023	$2,622.00 (+11.29%)	$164,192 (+18.94%) Land $28,000 Building $136,192	$164,192 (+18.94%) Land $28,000 Building $136,192
2022	$2,356.00	$138,048 Land $23,000 Building $115,048	$138,048 Land $23,000 Building $115,048

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
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

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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