307 W 3rd St, Frostproof, FL 33843 Property Records

Polk County property record for 307 W 3rd St, Frostproof, FL 33843

Property Summary

Property Type	Duplex
Details	2 bd · 1 ba · 2,260 sqft · built 1982
Lot Size	0.522 acres (22,717 sqft)
Owner	2 Individual Names on File
Last Sale	$123,500 (Aug 2017)
Tax Bill	$2,156 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-31-32-968600-009013`

Property Details

APN / Parcel Number

Primary APN	`28-31-32-968600-009013`
Alternative APNs	`323128968600009013` `23128000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Units	2 Units
Stories	1 Story
Building Area	2,260 sqft Living Area
Gross Area	2,884 sqft
1st Floor Area	2,260 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1983
Architectural Style	Duplex Single
Roof Material	Metal
Lot Area	22,717 sqft (0.522 acres)
Lot Dimensions	415 ft deep x 102 ft wide
View / Lot	Duplex
Garage Type	Attached
Garage Area	624 sqft
Patio Area	64 sqft
Shed	1 Shed

Location & Zoning

Street Address	307 W 3RD ST
City	FROSTPROOF
State	FL
Zip	33843-2202
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	FROSTPROOF IN U S LOT 2 PB 1 PG 41 BLK 9 LOTS 1 W 41.35 FT & E 61.66 FT OF 2 & S 25 FT OF CLOSED THIRD ST LYING N OF SAME
Legal Subdivision	FROSTPROOF IN US LOT 2
Legal Tract	968600
Legal Block	9
Legal Lot Number	2,1
Jurisdiction	POLK FL
Township / Civil Division	FROSTPROOF
Census Block Group	3
Census Block	3009
Census Tract	15701

Owner

307 W 3rd St, a duplex, is owned and occupied by two individuals who bought it in August 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	307 W 3RD ST, FROSTPROOF, FL 33843-2202
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU ISAOA
Aug 28, 2017	Warranty Deed, Transfer · Conventional with PMI MIDFLORIDA CU ISAOA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2017 · Amount on File
Deed Sale	Aug 28, 2017 · Amount on File
Prior Sale	Nov 5, 1996 · Amount on File
Deed Document Number	2017166524
Deed Book / Page	10246 / 1314
Prior Transfer Date	Aug 25, 2017
Prior Transfer Doc	0000166524
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	307 W 3RD ST, FROSTPROOF, FL 33843-2202
Document Number	0110440673
Instrument Date	Nov 13, 2019
Transaction Type	Mortgage
Record Updated	Dec 9, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	307 W 3RD ST FROSTPROOF FL 338432202, FROSTPROOF, FL 33843-2202

Mortgage

Document Number	0110440673
Date	Nov 18, 2019
Book Page	011044/000673
Instrument	244191

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 17, 2049

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 28, 2017
Property Address	307 W 3RD ST, FROSTPROOF, FL 33843-2202
Document Number	0102461314
Book / Page	010246 / 001314
Instrument Date	Aug 25, 2017
Instrument	166524
Transaction Type	Transfer
Record Updated	Mar 28, 2018
Title Company	REAL ESTATE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$864.50

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	307 W 3RD ST FROSTPROOF FL 338432202, FROSTPROOF, FL 33843-2202

Mortgage

Document Number	102461315
Date	Aug 28, 2017
Book Page	010246/001315
Instrument	166525

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Aug 27, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 307 W 3rd St was $2,156 with a homeowner's exemption.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Frostproof City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$148,071 (+6.79%)	$224,400 (-) Land $9,300 Building $100,297
2025	$2,156.00 Homeowner's exemption	$138,661	$224,400 Land $9,300 Building $106,042
2023	$2,055.00 (+3.06%) Homeowner's exemption	$121,742 (+4.36%)	$128,292 (+5.61%) Land $9,000 Building $119,292
2022	$1,994.00 Homeowner's exemption	$116,654	$121,473 Land $7,500 Building $113,973

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

Flood

FEMA maps place 307 W 3rd St 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

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 307 W 3rd 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 94% 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	CITY OF FROSTPROOF serves 3,425 people · EPA ID FL6530627
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	9 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 146 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Spectrum.

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