3047 State Hwy 540, Winter Haven, FL 33880 Property Records

Polk County property record for 3047 State Hwy 540, Winter Haven, FL 33880

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2,640 sqft · built 2018
Lot Size	0.814 acres (35,475 sqft)
Owner	Company Name on File
Last Sale	$372,000 (Apr 2016)
Tax Bill	$7,056 (2025)
Deeds & Mortgages	Aug 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`25-28-35-000000-014170`

Property Details

APN / Parcel Number

Primary APN	`25-28-35-000000-014170`
Alternative APNs	`352825000000014170` `52825000`

Interior

Stories	1 Story
Building Area	2,640 sqft Gross Area
1st Floor Area	2,640 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	35,475 sqft (0.814 acres)
View / Lot	Commercial
Garage Area	12,200 sqft

Location & Zoning

Street Address	3047 HIGHWAY 540 W
City	WINTER HAVEN
State	FL
Zip	33880
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	BEG AT SW COR OF LOT 12 OF WINTER LAKE MANOR AS REC IN PB 72 PG 15 N89-30-52E 217 FT S00-22-22E 115 FT SLY ALONG CURVE 59.03 FT S89-44-15W 226.17 FT N00-22-22W 159.46 FT TO POB
Legal Range	25E
Legal Township	28S
Legal Section	35
Legal Subdivision	ALAMEDA HEIGHTS
Legal Block	1
Legal Lot Number	12
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1017
Census Tract	14703

Owner

3047 State Hwy 540, a commercial property, is owned by a company that bought it in April 2016.

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

Owner of Record	Company Name on File
Mailing Address	1326 E LUMSDEN RD, BRANDON, FL 33511-6717
Owner Type	Company
Vesting	Company

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2016 · Amount on File
Deed Sale	Apr 1, 2016 · Amount on File
Deed Book / Page	9797 / 2034
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3047 STATE HIGHWAY 540, WINTER HAVEN, FL 33880
Document Number	0105730696
Instrument Date	Aug 2, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3047 HWY 540 W WINTER HAVEN FL 33880, WINTER HAVEN, FL 33880

Mortgage

Document Number	0105730696
Date	Aug 6, 2018
Book Page	010573/000696
Instrument	167613

Lender

Name	CENTERSTATE BK NA
Type	Bank
Address	102 W BAKER ST, PLANT CITY, FL 33563-3306

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3047 State Hwy 540 was $7,056.

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		$600,390 (+1%)	$606,503 (+11.12%) Land $310,398 Building $296,105
2025	$7,056.00	$545,809 Land $310,398 Building $235,411	$545,809 Land $310,398 Building $235,411
2023	$8,257.00 (+1.14%)	$559,862 (+1.94%) Land $310,398 Building $249,464	$559,862 (+1.94%) Land $310,398 Building $249,464
2022	$8,164.00	$549,208 Land $310,398 Building $238,810	$549,208 Land $310,398 Building $238,810

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

Flood

FEMA maps place 3047 State Hwy 540 in Zone X, an area of minimal flood risk.

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 39 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	39 in force

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 3047 State Hwy 540 is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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	CENTRAL serves 13,595 people · EPA ID FL6534609
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 327 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20