3102 Post Oak Ct, Winter Haven, FL 33884 Property Records

Polk County property record for 3102 Post Oak Ct, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,644 sqft · built 1987
Lot Size	0.344 acres (15,002 sqft)
Owner	2 Individual Names on Record
Last Sale	$186,010 (Feb 2020)
Tax Bill	$3,601 (2025)
Deeds & Mortgages	Jun 2020 Line of Credit Feb 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-28-31-000000-012240`

Property Details

APN / Parcel Number

Primary APN	`27-28-31-000000-012240`
Alternative APNs	`312827000000012240` `12827000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,644 sqft Living Area
Gross Area	3,848 sqft
1st Floor Area	2,644 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	15,002 sqft (0.344 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	700 sqft
Porch	Florida Room
Porch Area	544 sqft

Location & Zoning

Street Address	3102 POST OAK CT
City	WINTER HAVEN
State	FL
Zip	33884-1238
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	BEG 2312.04 FT S & 1133.33 FT W OF NE COR OF SEC RUN N 66 DEG 42 MIN 30 SEC E 150 FT S 23 DEG 17 MIN 30 SEC E 100 FT S 66 DEG 42 MIN 30 SEC W 150 FT N 23 DEG 17 MIN 30 SEC W 100 FT TO POB BEING LOT 155 OF UNREC CYPRESSWOOD PLANTATIONS
Legal Range	27E
Legal Township	28S
Legal Section	31
Legal Subdivision	ALAMEDA HEIGHTS
Legal Tract	000000
Legal Block	2
Legal Lot Number	155
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	2
Census Block	2069
Census Tract	14123

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	2 Individual Names on Record
Mailing Address	3102 POST OAK CT, WINTER HAVEN, FL 33884-1238
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2020	Deed of Trust, Mortgage · Line of Credit ERIEBANK
Feb 11, 2020	Grant Deed, Transfer PREMIUM TITLE SERVICES FL INC, PREMIUM TITLE SVCS FL INC
Aug 27, 2019	Trustee's Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2020 · Amount on Record
Deed Sale	Feb 11, 2020 · Amount on Record
Prior Sale	Aug 27, 2019 · Amount on Record
Deed Document Number	202031238
Deed Book / Page	11136 / 287
Prior Transfer Date	Aug 26, 2019
Prior Transfer Doc	0109540083
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3102 POST OAK CT, WINTER HAVEN, FL 33884-1238
Document Number	0112910377
Instrument Date	Jun 26, 2020
Transaction Type	Mortgage
Record Updated	Jul 31, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3102 POST OAK CT WINTER HAVEN FL 338841238, WINTER HAVEN, FL 33884-1238

Mortgage

Document Number	0112910377
Date	Jul 8, 2020
Book Page	011291/000377
Instrument	135887

Lender

Name	ERIEBANK
Type	Bank
Address	ERIE, PA 16501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 7, 2040

Interest

Rate Type	Adjustable Rate

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Feb 11, 2020
Property Address	3102 POST OAK CT, WINTER HAVEN, FL 33884-1238
Document Number	0111360287
Book / Page	011136 / 000287
Instrument Date	Jan 29, 2020
Instrument	31238
Transaction Type	Transfer
Record Updated	Mar 4, 2020
Title Company	PREMIUM TITLE SERVICES FL INC, PREMIUM TITLE SVCS FL INC

Transaction

Amount	Amount Recorded
Tax	$1,302.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15920 STATE HIGHWAY 86 MEADVILLE PA 163355318, MEADVILLE, PA 16335-5318

August 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	POLK FL
Recording Date	Aug 27, 2019
Property Address	3102 POST OAK CT, WINTER HAVEN, FL 33884-1238
Document Number	0109540083
Book / Page	010954 / 000083
Instrument Date	Aug 12, 2019
Instrument	181247
Transaction Type	Foreclosure
Record Updated	Sep 13, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$996.80
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 MORTGAGE WAY MOUNT LAUREL NJ 080544637, MOUNT LAUREL, NJ 08054-4637

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		$302,752 (-5.02%) Land $60,000 Building $242,752	$302,752 (-5.02%) Land $60,000 Building $242,752
2025	$3,601.00 (-12.47%) Homeowner's exemption	$318,741 (+5.95%) Land $60,000 Building $258,741	$318,741 (-2.14%) Land $60,000 Building $258,741
2024	$4,114.00 (+5.49%)
2023	$3,900.00 (+2.71%) Homeowner's exemption	$300,844 (+3%)	$325,714 (+11.51%) Land $58,000 Building $267,714
2022	$3,797.00 Homeowner's exemption	$292,082 Land $48,000 Building $244,082	$292,082 Land $48,000 Building $244,082

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Moderate above 65% of the US · above 41% of Florida
Wildfire Likelihood	0.3% 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.

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

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Hotwire Communications.

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