3102 Walnut St, Winter Haven, FL 33881 Property Records

Polk County property record for 3102 Walnut St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,802 sqft · built 1955
Lot Size	0.203 acres (8,843 sqft)
Owner	Individual Name on File
Last Sale	$164,700 (May 2020)
Tax Bill	$1,477 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-28-13-340800-002200`

Property Details

APN / Parcel Number

Primary APN	`25-28-13-340800-002200`
Alternative APNs	`132825340800002200` `32825000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,802 sqft Living Area
1st Floor Area	576 sqft
Flooring	Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2015
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	8,843 sqft (0.203 acres)
Lot Dimensions	114 ft deep x 71 ft wide
View / Lot	Commercial/Industrial
Porch	Florida Room
Porch Area	1,226 sqft
Utility Building	88 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	3102 WALNUT ST
City	WINTER HAVEN
State	FL
Zip	33881-1164
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 20
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	20
Legal Unit	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1019
Census Tract	13400

Owner

3102 Walnut St is owned and occupied by an individual who bought it in May 2020.

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

Owner of Record	Individual Name on File
Mailing Address	3102 WALNUT ST, WINTER HAVEN, FL 33881-1164
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
May 27, 2020	Warranty Deed, Transfer · Conventional Mortgage NFM LNDG
Dec 26, 2018	Warranty Deed, Transfer · Conventional Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2020 · Amount on File
Deed Sale	May 27, 2020 · Amount on File
Prior Sale	Dec 26, 2018 · Amount on File
Deed Document Number	2020104628
Deed Book / Page	11244 / 1457
Prior Transfer Date	Apr 10, 2014
Prior Transfer Doc	0000073414
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 27, 2020
Property Address	3102 WALNUT ST, WINTER HAVEN, FL 33881-1164
Document Number	0112441457
Book / Page	011244 / 001457
Instrument Date	May 20, 2020
Instrument	104628
Transaction Type	Transfer
Record Updated	Jun 12, 2020
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,153.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3102 WALNUT ST WINTER HAVEN FL 338811164, WINTER HAVEN, FL 33881-1164

Mortgage

Document Number	112441459
Date	May 27, 2020
Book Page	011244/001459
Instrument	104629

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 26, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 26, 2018
Property Address	3102 WALNUT ST, WINTER HAVEN, FL 33881-1164
Document Number	0107051256
Book / Page	010705 / 001256
Instrument Date	Dec 21, 2018
Instrument	265014
Transaction Type	Transfer
Record Updated	Jan 9, 2019
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,070.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3102 WALNUT ST WINTER HAVEN FL 338811164, WINTER HAVEN, FL 33881-1164

Mortgage

Document Number	107051260
Date	Dec 26, 2018
Book Page	010705/001260
Instrument	265015

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 25, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3102 Walnut St was $1,477 with a homeowner's exemption.

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		$161,147 (+2.7%)	$229,851 (-0.52%) Land $29,000 Building $200,851
2025	$1,477.00 Homeowner's exemption	$156,910	$231,041 Land $29,000 Building $202,041
2023	$1,897.00 (+0.9%) Homeowner's exemption	$148,047 (+3%)	$186,691 (+29.89%) Land $28,000 Building $158,691
2022	$1,880.00 Homeowner's exemption	$143,735 Land $23,000 Building $120,735	$143,735 Land $23,000 Building $120,735

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

Flood

FEMA maps place 3102 Walnut St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2004.

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

Wildfire risk around 3102 Walnut St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% 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	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 188 locations within half a mile, as of December 31, 2025

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

May also be available: Frontier, T-Mobile, Verizon.

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