Polk County property record for 2948 Whispering Trails Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,262 sqft · built 2018 |
| Lot Size | 0.106 acres (4,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $147,800 (Oct 2018) |
| Tax Bill | $1,955 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-28-30-850002-002020 |
| Primary APN | 27-28-30-850002-002020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,262 sqft Living Area |
| Gross Area | 1,661 sqft |
| 1st Floor Area | 1,262 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 4,600 sqft (0.106 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 399 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 64 sqft |
| Street Address | 2948 WHISPERING TRAILS DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-1847 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHISPERING TRAILS PHASE 2 PB 143 PG 49-51 LOT 202 |
| 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 | 202 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 2 |
| Census Block | 2059 |
| Census Tract | 14123 |
2948 Whispering Trails Dr is owned and occupied by an individual who bought it in October 2018.
Source: Polk County records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2948 WHISPERING TRAILS DR, WINTER HAVEN, FL 33884-1847 |
| 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 |
|---|---|
| May 30, 2023 | Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE |
| Oct 27, 2021 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| Oct 8, 2018 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage MISCELLANEOUS GOVT AGCY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 8, 2018 · Amount on File |
| Deed Sale | Oct 8, 2018 · Amount on File |
| Deed Document Number | 2018212762 |
| Deed Book / Page | 10635 / 1888 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2948 WHISPERING TRAILS DR, WINTER HAVEN, FL 33884-1847 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 2948 WHISPERING TRAILS DR, CYPRESS GARDENS, FL 33884-1847 |
| Document Number | 0000124216 |
|---|---|
| Date | May 30, 2023 |
| Book Page | 12706/2179 |
| Instrument | 2023124216 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32256 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 306 Months |
| Due | Nov 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2948 WHISPERING TRAILS DR, WINTER HAVEN, FL 33884-1847 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 2948 WHISPERING TRAILS DR, WINTER HAVEN, FL 33884-1847 |
| Document Number | 0000279886 |
|---|---|
| Date | Oct 27, 2021 |
| Book Page | 11955/585 |
| Instrument | 2021279886 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32202 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 325 Months |
| Due | Nov 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 8, 2018 |
| Property Address | 2948 WHISPERING TRAILS DR, WINTER HAVEN, FL 33884-1847 |
| Document Number | 0106351888 |
| Book / Page | 010635 / 001888 |
| Instrument Date | Oct 5, 2018 |
| Instrument | 212762 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 25, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,034.60 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 328 CLARINET WAY DAVENPORT FL 338968355, DAVENPORT, FL 33896-8355 |
| Document Number | 106351907 |
|---|---|
| Date | Oct 8, 2018 |
| Book Page | 010635/001907 |
| Instrument | 212764 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | WINTER HAVEN, FL 33881 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Number | 106351890, |
|---|---|
| Date | Oct 8, 2018 |
| Book Page | 010635/001890 |
| Instrument | 212763 |
| Name | AMERICAN LIBERTY MTG INC |
|---|---|
| Type | Mortgage Company |
| Address | DENVER, CO 80211 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 7, 2048 |
The 2025 property tax bill for 2948 Whispering Trails Dr was $1,955 with a homeowner's exemption, up 3.5% from the year before.
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 | $152,051 (+2.7%) | $190,006 (-5.52%) Land $25,000 Building $165,006 | |
| 2025 | $1,955.00 (+3.49%) Homeowner's exemption | $148,054 | $201,107 Land $25,000 Building $176,107 |
| 2024 | $1,889.00 (+3.28%) | ||
| 2023 | $1,829.00 (+3.51%) Homeowner's exemption | $139,690 (+3%) | $208,674 (+9.28%) Land $24,000 Building $184,674 |
| 2022 | $1,767.00 Homeowner's exemption | $135,621 | $190,947 Land $20,000 Building $170,947 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2948 Whispering Trails Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 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 2948 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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