3137 Walnut St, Winter Haven, FL 33881 Property Records

Polk County property record for 3137 Walnut St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,789 sqft · built 1955
Lot Size	0.202 acres (8,799 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (May 2025)
Tax Bill	$3,111 (2025)
Deeds & Mortgages	May 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-28-13-340800-001190`

Property Details

APN / Parcel Number

Primary APN	`25-28-13-340800-001190`
Alternative APNs	`132825340800001190` `32825000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,789 sqft Living Area
Gross Area	1,468 sqft
1st Floor Area	788 sqft
Flooring	Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	8,799 sqft (0.202 acres)
Lot Dimensions	110 ft deep x 80 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	2,000 sqft
Carport	Carport
Carport Area	2,000 sqft

Exterior Amenities

Pool Area	512 sqft
Porch	Florida Room
Porch Area	1,001 sqft
Shed	1 Shed
Utility Building	64 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3137 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 19
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	19
Legal Unit	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1018
Census Tract	13400

Owner

Source: Polk County records, as of October 19, 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	3137 WALNUT ST, WINTER HAVEN, FL 33881-1163
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2025 · Amount on Record
Deed Sale	May 1, 2025 · Amount on Record
Prior Sale	Jul 11, 2024 · Amount on Record
Deed Document Number	2025102024
Deed Book / Page	13530 / 1583
Prior Transfer Date	Jul 2, 2009
Prior Transfer Doc	0079230313
Record Updated	Oct 29, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 1, 2025
Property Address	3137 WALNUT ST, WINTER HAVEN, FL 33881-1163
Document Number	0000102024
Book / Page	13530 / 1583
Map Reference	MB 38 PG 7
Instrument Date	Apr 22, 2025
Instrument	2025102024
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	CENTURION TITLE GROUP INC, CENTURIAN TITLE GROUP INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1024 SEBURN RD, APOPKA, FL 32703-8425

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3137 WALOUT ST, WINTER HAVEN, FL 33881-1163

Mortgage

Document Number	0000102025
Date	May 1, 2025
Book Page	13530/1585
Instrument	2025102025

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2055

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		$237,162 (+1.03%) Land $29,000 Building $208,162	$237,162 (+1.03%) Land $29,000 Building $208,162
2025	$3,111.00 (+160.12%)	$234,733 (+200.13%) Land $29,000 Building $205,733	$234,733 (+20.9%) Land $29,000 Building $205,733
2024	$1,196.00 (+15.22%)
2023	$1,038.00 (+6.68%) Homeowner's exemption	$78,211 (+3%)	$194,160 (+21.03%) Land $28,000 Building $166,160
2022	$973.00 Homeowner's exemption	$75,933	$160,424 Land $23,000 Building $137,424

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
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

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