3119 Harmon Ln, Winter Haven, FL 33880 Property Records

Polk County property record for 3119 Harmon Ln, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 988 sqft · built 1986
Lot Size	0.151 acres (6,556 sqft)
Owner	Individual Name on Record
Last Sale	$142,000 (Aug 2020)
Tax Bill	$655 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-28-35-355068-000090`

Property Details

APN / Parcel Number

Primary APN	`25-28-35-355068-000090`
Alternative APNs	`352825355068000090` `52825000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	988 sqft Living Area
1st Floor Area	988 sqft
Flooring	Terrazzo
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	6,556 sqft (0.151 acres)
Lot Dimensions	95 ft deep x 69 ft wide
View / Lot	Commercial/Industrial
Garage Area	228 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	228 sqft
Utility Building	84 sqft

Location & Zoning

Street Address	3119 HARMON LN
City	WINTER HAVEN
State	FL
Zip	33880-7100
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARMONWOOD SUB PB 80 PG 32 LOT 9
Legal Range	25E
Legal Township	28S
Legal Section	35
Legal Subdivision	HARMONWOOD SUBDIVISION
Legal Tract	355068
Legal Block	1
Legal Lot Number	9
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1017
Census Tract	14703

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	Individual Name on Record
Mailing Address	3119 HARMON LN, WINTER HAVEN, FL 33880-7100
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2020 · Amount on Record
Deed Sale	Aug 12, 2020 · Amount on Record
Prior Sale	Jul 15, 2014 · Amount on Record
Deed Document Number	2020162979
Deed Book / Page	11331 / 2295
Prior Transfer Date	May 17, 2013
Prior Transfer Doc	0000092931
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 12, 2020
Property Address	3119 HARMON LN, WINTER HAVEN, FL 33880-7100
Document Number	0113312295
Book / Page	011331 / 002295
Instrument Date	Aug 6, 2020
Instrument	162979
Transaction Type	Transfer
Record Updated	Sep 2, 2020
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$994.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3119 HARMON LN WINTER HAVEN FL 338807100, WINTER HAVEN, FL 33880-7100

Mortgage

Document Number	113312297
Date	Aug 12, 2020
Book Page	011331/002297
Instrument	162980

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2050

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		$93,390 (+2.7%)	$123,233 (+2.43%) Land $21,000 Building $102,233
2025	$655.00 (-49.11%) Homeowner's exemption	$90,935 (+5.99%)	$120,314 (+3.48%) Land $21,000 Building $99,314
2023	$1,287.00 (+7.97%) Homeowner's exemption	$85,798 (+3%)	$116,271 (+10.39%) Land $20,000 Building $96,271
2022	$1,192.00 Homeowner's exemption	$83,299	$105,326 Land $16,500 Building $88,826

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 39 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	39 in force

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	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% 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	CENTRAL serves 13,595 people · EPA ID FL6534609
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 327 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20