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3105 Post Oak Ct, Winter Haven, FL 33884 Property Records

Polk County property record for 3105 Post Oak Ct, Winter Haven, FL 33884 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,968 sqft · built 1988
Lot Size0.538 acres (23,440 sqft)
Owner2 Individual Names on File
Tax Bill$2,327 (2025)
Deeds & MortgagesMay 2024 Transfer
Jan 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN27-28-31-000000-012170

Property Details

APN / Parcel Number

Primary APN27-28-31-000000-012170
Alternative APNs
  • 312827000000012170
  • 12827000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,968 sqft Living Area
Gross Area3,835 sqft
1st Floor Area2,968 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1988
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area23,440 sqft (0.538 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area624 sqft

Exterior Amenities

Pool TypeEnclosed Pool
Pool Area450 sqft
PorchFlorida Room
Porch Area432 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address3105 POST OAK CT
CityWINTER HAVEN
StateFL
Zip33884-1229
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBEG 2393.88 FT S & 1323.47 FT W OF NE COR OF SEC RUN N 66 DEG 42 MIN 30 SEC E 147 FT N 23 DEG 17 MIN 30 SEC W 100 FT TO POINT ON CURVE NWLY ALONG CURVE A CHORD DISTANCE OF 100 FT S 53 DEG 37 MIN 14 SEC W 62 FT M/L TO LAKE SELY & SWLY ALONG LAKE TO A
Legal Range27E
Legal Township28S
Legal Section31
Legal SubdivisionALAMEDA HEIGHTS
Legal Tract000000
Legal Block2
Legal Lot Number148
JurisdictionPOLK FL
Township / Civil DivisionHAINES CITY
Census Block Group2
Census Block2069
Census Tract14123

Owner

Source: Polk County records · APN 27-28-31-000000-012170

Assessment roll updated July 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3105 POST OAK CT, WINTER HAVEN, FL 33884-1229
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
May 10, 2024Intrafamily Transfer, Transfer
Jan 08, 2021Deed of Trust, Mortgage · Conventional Mortgage
MIDFLORIDA CU ISAOA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last Transfer DateMar 12, 2025
Transfer Doc0000078619
Record UpdatedSep 20, 2026

May 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPOLK FL
Recording DateMay 10, 2024
Property Address3105 POST OAK CT, WINTER HAVEN, FL 33884-1229
Document Number0000109173
Book / Page13111 / 2224
Instrument DateMay 09, 2024
Instrument2024109173
Transaction TypeTransfer
Record UpdatedMay 21, 2024

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3105 POST OAK CT, WINTER HAVEN, FL 33884-1229

Transferred To (Grantee/Buyer)

NameVerified Name
Address2825 OSPREY CREEK LN, ORLANDO, FL 32825-8755

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address3105 POST OAK CT, WINTER HAVEN, FL 33884-1229
Document Number0115391267
Instrument DateJan 08, 2021
Transaction TypeMortgage
Record UpdatedFeb 01, 2021
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
Address3105 POST OAK CT WINTER HAVEN FL 338841229, WINTER HAVEN, FL 33884-1229

Mortgage

Document Number0115391267
DateJan 14, 2021
Book Page011539/001267
Instrument11456
Lender
NameMIDFLORIDA CU ISAOA
TypeCredit Union
AddressLAKELAND, FL 33802-8008
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJan 13, 2036

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,327.00 (-13.04%) Homeowner's exemption$225,245 (+5.99%)$386,960 (-1.31%) Land $66,000 Building $320,960
2023$2,676.00 (+0.9%) Homeowner's exemption$212,521 (+3%)$392,103 (+9.49%) Land $64,000 Building $328,103
2022$2,652.00 Homeowner's exemption$206,331$358,110 Land $53,000 Building $305,110

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050141232, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance CostPremium on Record
median of 105 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies105 in force
91 of 105 on primary residences
Nearby Flood Claims3 (2017–2022)
Claims Outside the SFHA1 of 3
Most Recent ClaimSep 2022, alluvial fan flooding, Hurricane Ian

Wildfire

Wildfire RiskModerate
above 65% of the US · above 42% of Florida
Wildfire LikelihoodAbout 1 in 398 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

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