3117 Walnut St, Winter Haven, FL 33881 Property Records

Polk County property record for 3117 Walnut St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,307 sqft · built 1955
Lot Size	0.202 acres (8,799 sqft)
Owner	Individual Name on File
Last Sale	$219,900 (Jan 2022)
Tax Bill	$2,070 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Jul 2021 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`25-28-13-340800-001140`

Property Details

APN / Parcel Number

Primary APN	`25-28-13-340800-001140`
Alternative APNs	`132825340800001140` `32825000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,307 sqft Living Area
Gross Area	947 sqft
1st Floor Area	947 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2015
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Shed Roof
Roof Material	Tar & Gravel
Lot Area	8,799 sqft (0.202 acres)
Lot Dimensions	110 ft deep x 80 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	240 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	416 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	3117 WALNUT ST
City	WINTER HAVEN
State	FL
Zip	33881-1163
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 A LOT 14
Legal Range	25E
Legal Township	28S
Legal Section	13
Legal Subdivision	BILTMORE SHORES UNIT NO 2
Legal Tract	340800
Legal Block	A
Legal Lot Number	14
Legal Unit	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1018
Census Tract	13400

Owner

3117 Walnut St is owned and occupied by an individual who bought it in January 2022.

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

Owner of Record	Individual Name on File
Mailing Address	3117 WALNUT ST, WINTER HAVEN, FL 33881-1163
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
Jan 27, 2022	Warranty Deed, Transfer · Conventional Mortgage PARTNERS FCU
Jul 28, 2021	Warranty Deed, Transfer · Commercial Mortgage GOLDMAN SACHS BANK USA
Oct 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MTG
Sep 25, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 28, 2011	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Apr 28, 2011	Deed of Trust, Mortgage · FHA Mortgage PLAZA HM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2022 · Amount on File
Deed Sale	Jan 27, 2022 · Amount on File
Prior Sale	Jul 28, 2021 · Amount on File
Deed Document Number	202224646
Deed Book / Page	12092 / 2183
Prior Transfer Date	Oct 29, 2009
Prior Transfer Doc	0000217574
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 27, 2022
Property Address	3117 WALNUT ST, WINTER HAVEN, FL 33881-1163
Document Number	0000024646
Book / Page	12092 / 2183
Map Reference	MB 37 PG 7
Instrument Date	Jan 3, 2022
Instrument	2022024646
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,539.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 2150, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3113 WALNUT ST, WINTER HAVEN, FL 33881-1163

Mortgage

Document Number	0120922185
Date	Jan 27, 2022
Instrument	12092/2185

Lender

Name	PARTNERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 28, 2021
Property Address	3117 WALNUT ST, WINTER HAVEN, FL 33881-1163
Document Number	0000195925
Book / Page	11822 / 1843
Map Reference	MB 37 PG 7
Instrument Date	Jul 23, 2021
Instrument	2021195925
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,159.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4635 ALPINE DR, LAKELAND, FL 33801-0512

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

Mortgage

Document Number	0118221858
Date	Jul 28, 2021
Instrument	11822/1858

Lender

Name	GOLDMAN SACHS BANK USA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3117 WALNUT ST, WINTER HAVEN, FL 33881-1163
Document Number	0110582254
Instrument Date	Oct 15, 2019
Transaction Type	Mortgage
Record Updated	Dec 20, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3117 WALNUT ST WINTER HAVEN FL 338811163, WINTER HAVEN, FL 33881-1163

Mortgage

Document Number	0110582254
Date	Dec 2, 2019
Book Page	011058/002254
Instrument	254275

Lender

Name	ROYAL UNITED MTG
Type	Mortgage Company
Address	CINCINNATI, OH 45250

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Sep 25, 2019
Property Address	3117 WALNUT ST, WINTER HAVEN, FL 33881-1163
Document Number	0109850533
Book / Page	010985 / 000533
Instrument Date	Sep 16, 2019
Instrument	203308
Transaction Type	Transfer
Record Updated	Oct 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3117 WALNUT ST WINTER HAVEN FL 338811163, WINTER HAVEN, FL 33881-1163

April 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3117 WALNUT ST, WINTER HAVEN, FL 33881-1163
Document Number	0100941543
Instrument Date	Apr 28, 2011
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	SIGNATURE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3117 WALNUT ST WINTER HAVEN FL 338811163, WINTER HAVEN, FL 33881-1163

Mortgage

Document Number	0100941543
Date	Mar 20, 2017
Book Page	010094/001543
Instrument	52512

Lender

Name	HUD-HOUSING/URBAN DEV

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	876 Months
Due	Mar 19, 2090

Interest

Rate Type	Fixed Rate

April 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3117 WALNUT ST, WINTER HAVEN, FL 33881-1163
Document Number	0100941552
Instrument Date	Apr 28, 2011
Transaction Type	Mortgage
Record Updated	Jul 11, 2017
Title Company	SIGNATURE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3117 WALNUT ST WINTER HAVEN FL 338811163, WINTER HAVEN, FL 33881-1163

Mortgage

Document Number	0100941552
Date	Mar 20, 2017
Book Page	010094/001552
Instrument	52513

Lender

Name	PLAZA HM MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92122

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	876 Months
Due	Mar 19, 2090

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3117 Walnut St was $2,070 with a homeowner's exemption, down 28.1% from the year before.

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		$183,687 (-6.6%) Land $29,000 Building $154,687	$183,687 (-6.6%) Land $29,000 Building $154,687
2025	$2,070.00 (-28.1%) Homeowner's exemption	$196,661 Land $29,000 Building $167,661	$196,661 Land $29,000 Building $167,661
2024	$2,879.00 (+8.31%)
2023	$2,658.00 (+10.34%)	$163,366 (+15.94%) Land $28,000 Building $135,366	$163,366 (+15.94%) Land $28,000 Building $135,366
2022	$2,409.00	$140,901 Land $23,000 Building $117,901	$140,901 Land $23,000 Building $117,901

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

Flood

FEMA maps place 3117 Walnut 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 · 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
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 3117 Walnut 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 95% 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	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 102 locations within half a mile, as of December 31, 2025

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

3117 Walnut St, Winter Haven, FL 33881 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2019: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

April 2011: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

April 2011: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Walnut St

Nearby Streets

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